~Credit and Credit Cards~

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Other services to get FREE Scores, etc.

Credit Concierge is another ad-supported site that is specific to credit card education, rewards and applications. Signing up for their free credit score and report is a breeze (standard personal information, and a couple of questions to verify identity) and both the credit score and report comes from TransUnion, one of the three major credit bureaus.

Under the credit report tab, all information about you, your credit accounts and your creditor contacts can be found. Make sure to check this information for accuracy, and report any errors to the major credit bureau. Incorrect information in any capacity can lead to declined loan and credit account applications, so check, double check, then triple check.

https://concierge.comparecards.com/


Quizzle.com is an ad-supported site that offers a free credit score based on your Equifax credit report, called a VantageScore credit score, updated once every 6 months. You also get a free copy of your Equifax credit score once every six months. Twice a year is less often than other services and makes it harder to track credit improvement, but hey it’s still free. The score scale is also 300-850.



CreditKarma.com is an ad-supported site that offers you the ability to check your credit score based on your TransUnion credit report, updated every week for free. The score range is the same as FICO, from 300-850. They offer insights into improving your credit score, and you can also opt-in to free daily credit monitoring.




Cheap Equifax FICO from myFICO

Alternatively, if you want an official FICO score on the cheap, you can sign up for a month of ScoreWatch at MyFICO.com for $4.95. You’ll get an instant free Equifax credit report and Equifax FICO credit score. You’ll need a credit card. You must call 1.888.577.5978 to cancel within that first month, although you may be able to do it online as well. My recommendation is to get your credit report and credit score, print or save to PDF, and then cancel immediately afterward on the same day so that you won’t forget later. Hours (PDT) M-F 6am-6pm, Sat 7am-4pm, Sun Closed.




Credit Sesame is an ad-supported site that offers you a free credit score based on your Experian credit report. Updates once a month. Range is from 300-850.

You will need to provide your personal information and Social Security number to some of these companies, naturally, so be comfortable with that. None of these methods by themselves will affect your credit score as you are requesting them for yourself.