Free Credit Score: How to Get Your Score Online for Free!

NOTE: Do you like surprises? Apart from learning about your free credit score please read this article all the way through. There is a special surprise regarding your credit that I will share later.  

So Stay Tuned! Can’t wait? Click on the gift below to find out what it is….

Free Credit Score?

Yes, you read that correctly. Gone are the days where you have to  print out a form, fill it out, get an envelope and stamp and post your credit report. Then sit back and wait 2-6 weeks. Nowadays you can get your credit report online FOR Free.

Some might think it’s crass to check your credit report in your underwear in the comfort of your own home, but I think that it’s just progress. Use your own discretion. 

Why check your credit?

Seeing your credit score and report online is a wise thing to do regularly. As identity theft and credit breaches happen regularly, the best way to combat this is to monitor your credit for any suspect charges.

How often can you receive your full credit report? 

Current federal law in the USA states that you can receive your full credit report from all 2 bureaus once a year for no charge.  But the neat thing is that you can check your actual credit score daily if you want online.

The Big Three

The big three Credit agencies are as follows 

1. Equifax
   https://www.equifax.com/personal/
2. Transunion:
   https://www.transunion.com/
3. Experian:
   https://www.experian.com/

So where do you get it for free?

The best place to get your free report is at Annualcreditreport.com.

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https://www.annualcreditreport.com/index.action

A good idea is to make sure that you are on the correct site so check the website address exactly.  Annual credit report is great as it allows you to see how you rank with the “big 3”.

What’s the deal with scores?

Credit scores won’t be the same at every agency as they may use different scoring methods. One agency might use the FICO system, others may use another method based on Vantages scores. Although the scores won’t be exactly the same, they also shouldn’t be more than a few points apart. 

If you notice a discrepancy of more than 10 or 20 points then you should notify the agencies as it could be a bigger deal.  Look for contact information from each bureau. It pays to try to correct your credit score when you see mistakes. Fixing these mistakes can even help you potentially boost your credit score! 

Your Credit Card- Another way to score!

A lot of banks and credit card companies can also offer you a credit score rating as part of their services.  This may not be the most accurate of ratings, but it will do in a pinch.

Find out why 700 is a magic number when it comes to your credit:
http://montysalt.com/blog/credit-score-why-700-is-a-magic-number-with-credit-scores/

Karma comes back to you

Another great credit resource is called Credit Karma. It’s a great free resource that offers different tools, even a search on how to see if there is unclaimed money waiting for you in your name!  Credit Karma uses the VantageScore system instead of FICOCredit Karma pulls its information from Transunion and Equifax. 

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https://www.creditkarma.com/

It won’t cost you a Mint

Another great tool that is also a great financial tool is called Mint.com.
It was bought out by Intuit, but it’s also a great tracking tool of your finances.
Check it out at  www.mint.com

SPECIAL SURPRISE!

This may change at any time, but the annualcreditreport.com site is making concessions during the times of the pandemic. 

Here’s what the site says:
“During these times of COVID-19, accessing your credit is important. That’s why Equifax, Experian, and TransUnion are now offering free weekly online reports through April 2021.

So take advantage of this and check your credit today!

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(Normally we charge $27 US for this membership!)

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How can you qualify for membership?

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