Are you worried that getting your free credit score or reviewing your credit report hurts your credit? Don’t, because it doesn’t!
Checking up on your credit file or credit score never jeopardizes your credit. That’s because it’s considered a “soft inquiry.” No matter how many soft inquiries you have, they don’t count against you.
On the other hand, a “hard inquiry” does ding your scores. A hard inquiry is when you apply for credit from a potential lender, credit card, or retail store.
Here are 5 ways to get your free credit score and report with no strings attached:
Credit Karma is the largest and most well-known site to get your free credit score, report, and other credit services. They offer your Vantage Score from Equifax and TransUnion, credit monitoring, and federal and state income tax preparation—all for free!
I use Credit Karma to check up on my credit as often as I like–with no hidden fees or charges. It gives you a wealth of information including:
- Credit Report Cards – allow you to see how the various items on your credit report affect your credit score (very helpful!).
- Score Center – is where you see several of your credit scores (again, it’s completely free!) and track them over time.
- Credit Compare – shows you how your credit compares to national averages.
- Credit Score Simulator – is a brilliant tool that shows you how different financial transactions or decisions will affect your credit score over time.
Get signed up and then log into Credit Karma every month to make sure your scores are trending up or staying right where you want them! Their free credit monitoring service sends you alerts when you (or somebody else) uses your credit information to apply for a new credit card or loan.
Another popular site to get your free credit score and report is Credit Sesame. They offer a monthly Vantage Score from TransUnion.
Plus, you get free credit monitoring, identity theft protection insurance up to $50,000, fraud resolution assistance, and financial analysis.
Quizzle provides the Vantage Score from TransUnion and a credit report every three months. They can also help determine if you pre-qualify for a new home loan or a refinanced mortgage with your credit score and current home value.
Discover gives you a free credit score from FICO, even if you don’t apply for one of their cards.
The CreditWise app from Capital One gives you a free Vantage Score from TransUnion and credit monitoring, even if you’re not one of their customers.
FREE RESOURCES: Looking for a better bank? Or the best place to find a low-rate loan?
Check out these handy one-page guides that show you how the most popular options stack up:
Download the Online Bank Comparison Chart
Download the Online Loan Comparison Chart