Top Sources for Free Credit Scores


Top Sources for Free Credit Scores
Top Sources for Free Credit Scores

Top Sources for Free Credit Scores. Getting a free credit score has become easier than ever. Numerous websites and apps offer free credit scores to consumers without requiring a credit card. Here is a list of some notable sources where U.S. consumers can obtain free credit scores. Note that the availability of services may vary by country and over time, so it’s always a good idea to check the respective website for the most current information.


Top Sources for Free Credit Scores

1. AnnualCreditReport.com

  • Type of Score: Varies
  • Source: Official site authorized by Federal law
  • Notes: Provides free credit reports, but the score may require a fee.

2. Credit Karma

  • Type of Score: VantageScore 3.0
  • Source: TransUnion and Equifax
  • Notes: Offers free credit scores, reports, and monitoring.

3. Credit Sesame

  • Type of Score: VantageScore
  • Source: TransUnion
  • Notes: Provides a free credit score, plus credit monitoring and protection.

4. Experian

  • Type of Score: FICO Score 8
  • Source: Experian
  • Notes: Experian offers free access to your FICO score through FreeCreditScore.com and its own website.

5. Discover Credit Scorecard

  • Type of Score: FICO Score 8
  • Source: Experian
  • Notes: Free for everyone, not just Discover cardholders.

6. NerdWallet

  • Type of Score: VantageScore 3.0
  • Source: TransUnion
  • Notes: Provides a free credit score and credit report information.

7. WalletHub

  • Type of Score: VantageScore
  • Source: TransUnion
  • Notes: Offers daily updates to your credit score.

8. MyFICO

  • Type of Score: FICO
  • Source: All three bureaus (depending on the plan)
  • Notes: Limited access to free scores, paid options available for more comprehensive monitoring.

9. Chase Credit Journey

  • Type of Score: VantageScore 3.0
  • Source: TransUnion
  • Notes: Free for everyone, not just Chase customers.

10. Capital One CreditWise

  • Type of Score: VantageScore 3.0
  • Source: TransUnion
  • Notes: Available to everyone, not just Capital One customers.

11. Bank or Credit Card Issuers

  • Type of Score: Varies
  • Source: Varies
  • Notes: Some banks and credit card issuers provide free credit scores for their customers.

Note:

  • Different Scores: Remember that there are many different credit score models, including various versions of VantageScore and FICO Score. Different sources may provide different types of scores.
  • Personal Information: Be cautious with your personal information. Legitimate websites will not ask for your credit card information to provide a free score.
  • Accuracy: Scores provided by different sources may not be identical due to the use of different scoring models and data sources.

Ensure to verify the current offerings and terms of service from these providers as they may change over time. Always use these services with a mind towards protecting your personal information and privacy.

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