How to Get Free Credit Score
It’s not hard to find a website that gives you a truly free credit score without asking for your credit card. Most free credit score websites require you to sign up for a trial subscription to a credit monitoring service. The catch is that you’re charged for the subscription promising a free credit score. You shouldn’t have to pay for a credit score, especially since it is something that’s supposed to be free. There are a few ways where you can get a free credit score without entering your credit card number.
Free Credit Scores Sites
Capital One CreditWise is available to all consumers to get a free credit score without using your credit card. You can also sign up and receive monthly updates of your VantageScore 3.0 based on your TransUnion credit report. This is possible even if you don’t have a Capital One credit score. CreditKarma website provides a free credit score with no credit number, as they add your VantageScore and Insurance score. This is done at an extra cost, and you might be asked for your social security number and other identification information. Best of all, you’re never asked to give your credit number and you can check your credit score every day.
The CreditSesame.com site aims inform you of low-interest rate credit card options. For your free credit score, you don’t have to provide your credit card information to get it. Moreover, you are offered a lower debt payment through refinance, which is part of the deal. At Discover, you get a free credit score that includes your FICO score based on your Experian credit report information. It also provides the credit scorecard updates every month and you don’t have to be a Discover customer to enroll.
LendingTree.com provides you with a free credit score along with a copy of your VantageScore 3. You’ll also be able to see the factors that affect your credit score and updates of your score monthly. On Quizzle.com you can view your free credit score, which is updated every six months. You can report through Quizzle at any time and access your free credit score.
Credit Score Disclosure Required
There is a law requiring credit bureaus to give free credit scores on an annual basis to every consumer. This law gives consumers a copy of their free annual credit report, but only after making a credit-based application. Unfortunately, there’s another law that doesn’t give some consumers access to their credit scores. The new credit score disclosure law requires banks to give a free credit score without using a credit card to applicants. (They are those who are either denied or approved with less favorable terms because of their bad credit dues) It is automatically sent based on the creditor’s decision to get this free credit score without paying for it.
