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How To Get Credit Score For Free

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We talk a lot on this site about your credit score, and how you can improve it.

We have talked about how you can get your credit report for free, but it’s a little bit harder to get your credit score for free.

I have been able to get my credit score for free from MyFICO. I have had to enroll in some type of program for a one week free trial, and then canceled the free trial before it charged my card. If you’d like, you can also apply for credit monitoring and have continual access to your score from that site, but I personally do not do that.

Another site that you could use is Credit Karma. I have not used it myself yet, but have found Credit Karma to be a good site overall. From their site:

For the first time, you can get a truly free credit score with no hidden costs or obligations. That’s right, no credit card is required and there are no strings attached. Return as often as you like and use our service to track your credit file and stay informed.

From what I know, that site doesn’t give you your “official” credit score, but their best guess. I cannot confirm that though.

Does anyone else have experience using Credit Karma? Or are there other ways to get your credit score for free?

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One Response to “How To Get Credit Score For Free”

  • Credit Karma uses a Vantage score from Trans Union. The site is advertising supported, so they do not charge anything for seeing the score.

    Most credit risk scores work the same way. They use the same data, and the same modeling software. There is no “official score”. FICO is the most widely used score at the moment, but it is not necessarily better than other scores.