You’re legally entitled to a free copy of your report each year. The FTC recommends using AnnualCreditReport.com, which works well for detailing your credit history, but it doesn’t provide a credit score. In this post, we’ll specifically look at how you can get free access to different types of credit scores.
It’s important to know exactly which score you’re working with, and how its ranges vary. A 700 FICO score will be different from a 700 VantageScore, for example. Here are some of the most popular scores, along with their ranges, according to Credit Karma:
- FICO: traditionally between 300 and 850
- Experian: 330 – 830
- Equifax: 300 – 850
- TransUnion: 300 – 850
- VantageScore: 501 – 990 (often assigned a letter grade, A – F)
[Sections clipped, basically check with your bank and current credit card providers to see what credit reporting and monitoring services they offer.]
Credit Sesame: We’ve mentioned Credit Sesame’s tools before, but they’re best known for their free monthly credit score and monitoring. No credit card is required, and they use your Experian score.
Quizzle: Here’s another one we’ve covered. To recap, Quizzle gives you a free copy of your VantageScore credit score and Equifax credit report. Of course, no credit card is required.
Mint: If you’re a Mint user, you can now opt to get a free copy of your score, provided by Equifax. You also get a free summary of your report.
Credit Karma: We’ve named Credit Karma as one of our favorites, because they offer so many cool features that help protect you against identity theft. For example:
They offer free weekly credit monitoring with TransUnion.
If you use their app, you get push notifications any time something changes in your credit report.
They also offer a VantageScore, auto insurance score and home insurance score.