How to Get Your Free Credit Score (with no credit card)

how to get a free credit score

N ot too long ago, the only way to get your free credit score was to sign up for a seven or 30-day trial. You had to enter your credit card, and if you forgot to cancel the membership, they started charging your card.

Today there are several ways to get your credit score for free without a credit card and without worrying about a trial membership expiring. My personal favorite is Credit Sesame, which I’ll talk about first. But there are several great options.

How to Get Your Free Credit Score

I’ll start with how to get your official FICO score. myFICO offers your FICO score for $4.95 when you sign up for a 30-day trial of its Score Watch program. Many of the options below don’t require a credit card, but you won’t get your FICO score. I think they are still very valuable, and I use them myself. But if you need your official score, myFICO is the place to go.

Credit Karma also offers a totally free credit score. You don’t need a credit card, and you can get your score in minutes online. Because I’m a bit crazy when it comes to my credit, I track my score with Credit Karma, too. It’s always a few points higher or lower than Credit Sesame, but usually in the same ballpark. Each member is allowed a free credit score every six months and Credit Karma is kind enough to email you when it’s time to check your credit score again for free.

Other Options

These options require a credit card, but do offer a free trial. only takes a few minutes to get your Free Credit

Score from Equifax and your 30-day Free Trial of Credit Monitoring from Equifax, Experian, and TransUnion. If you continue with the credit monitoring service, the cost will be $16.95 per month. But, it’s a good idea to have the credit monitoring service, because you will receive instant Fraud ID Alerts should anything change on your Credit.

Owned and operated by TransUnion, one of the three major credit bureaus, TrueCredit offers consumers a look at all three of their credit scores (not just TransUnion) as well as all three credit reports, during the 7 day free trial.  Once the free trial period has expired, the cost to maintain the TrueCredit is $14.95.  That amount is in line with the other free credit score providers we’re showing in this post and the interface is a cinch to use.

Credit Sesame is a new service that offers a free credit score without your credit card.  The free score comes from Experian, one of the three major credit bureaus and it’s updated anytime there is a change to your credit history.  Credit Sesame also offers free tools to help consumers build their credit and provides it’s users a badge to showcase their credit profile.

I use Credit Sesame to track my score. Perhaps the best feature is just how easy it is to use and understand your credit information. Here’s a screenshot showing a snapshot of my credit score:

Side By Side Comparison

If you’re still not sure what’s the best option for you, here is a side-by-side comparison of the free credit score offers. I’ve used several of them, so you may want to try more than one to decide which one is best for you.


Category: Credit

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