How to Check Your Credit Score for Free

Your credit rating is one of the most important numbers you need to keep track of as a consumer. Not only does it influence whether or not you can get credit cards or loans, it can also be used by employers and landlords to screen potential candidates.

These days, if you want to maintain good credit, it’s not enough to just pay your bills on time and keep your outstanding balances relatively low. Threats such as identity theft continue to proliferate online, and if you become a victim, your credit score can be seriously damaged. For this reason, it makes sense to adopt a more proactive approach to monitoring your credit rating.

The good news is that monitoring your credit is not difficult, and thanks to the Internet, it can be free if you know which sites to use. By law, each of the three credit bureaus are required to provide one free credit report to you each year. You can request your report online by going to

But what if you want to monitor your credit more frequently? The best way to do this is to join a monitoring service such as the ones offered by Equifax and Identity Guard. Such services charge a monthly fee that typically starts around $15 a month. It might be worth it for you to pay such a fee if you are concerned about identity theft and want to receive notifications every time there is a change in your credit score.

For most people, it will probably be more than sufficient to simply join one of the many free credit reporting websites. Below are a couple excellent sites you should consider.

1. Credit Karma

Founded in 2008, Credit Karma provides you with free credit reports from TransUnion*. You will need to provide your social security number and answer a series of questions to confirm your identity before being able to view your score. After that, you will be able to log in every day to check your score. In addition to your score, Credit Karma provides a free report that details the many factors that affect your score, and lets you access special offers that help you save money on mortgages, auto loans, and credit cards.

2. Quizzle

This free site pulls your credit score from Experian*. In addition to viewing your score, you will be able to access a full credit report every 6 months. Interestingly, Quizzle does not ask for your social security number when you sign up, and solely relies on your answers to a series of questions to verify your identity. Like Credit Karma, Quizzle offers lots of helpful resources, including budget planners and credit improvement tools.

*There are 3 separate credit bureaus that monitor your credit, which are Equifax, Experian, and TransUnion. Your credit score may differ by quite a bit depending on which bureau is reporting your score. We therefore recommend that you receive your score from all 3 bureaus at least once a year.

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