If you’re looking to make a big purchase, like a car or a house, odds are you’re going to need a loan. The way lenders check to see if you’re eligible for that loan, of course, is your credit score. If you often pay bills on time and are financially secure, your score should be high but you should regularly check your score.
Grab hold of your financial potential with free information about your credit score. Knowing your credit score is important because it helps you decide what your buying power is and what areas to focus on to improve this important score.
There are many factors that go into determining a credit score, including employment status, credit history, and financial consistency. There are also several different types of credit scores rather than a standard way to measure creditworthiness. Although banks and lenders may have their own method to determine a credit score, there are ways that general consumers can monitor their credit activity and keep on top of the score as it changes over the years.
If you’re looking to check your credit score you’ll want to do it for free. That’s where these free credit check sites come in!
Best Free Credit Reports
Credit.com allows you to see your Experian and VantageScore results for free. VantageScore is a newer model of credit scoring that is usually more up-to-date than the traditional FICO score. You have to sign up for an account with Credit.com, but it’s a free process. The site is known for its credit report card, a quick glance at which things go into your credit. This way, you can see what factors you may need to address to get your score higher!
Credit Karma has become the most popular of the free credit monitoring sites for many reasons. You’ve likely heard of this one. Credit Karma offers scores from TransUnion and Equifax, and both are shown as VantageScore. Credit Karma is a free site as well, and they don’t share customer information. If you’re looking for a no-frills credit check, you’re looking for Credit Karma. They offer a great mobile app, too.
Since 2008, Quizzle has been helping its customers understand their credit history and providing free access to their full credit report and credit score. Quizzle offers free Equifax and VantageScore reports. Once every three months you can see a free report of your score. Quizzle technically has a premium account too, though you’re better off just using the free functions. The free functionality doesn’t require a credit card, too.
WalletHub offers personal financial tools to users online. Their main product is offering a free daily credit score and report associated with it. WalletHub requires you to take a pre-screening questionnaire before you get your free score. Once you answer a few basic questions, such as your income and the last four digits of your Social, you get a TransUnion credit score. The report is similar to Credit.com’s credit report card, showing you what factors influence your score the most.
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