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

Free Credit Score With No Credit CardNot 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 Concierge is a new way to grab your credit score.  The score is truly free–you don’t even need a credit card to sign up.  As with all of these offers, you’ll need to provide your full name, address and social security number.  You’ll then have to answer three questions drawn from your credit report.  They do this to verify that you are requesting your report.

I’ve tried Credit Concierge and like the service.  In literally seconds I got my credit score, my credit history, and what was helping and hurting my score.  Here’s the snapshot of my score:

Credit Concierge Report

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:

Credit Sesame Free Credit Score

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.

GoFreeCredit.com 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 TrueCredit.com interface is a cinch to use.

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.

Credit Score Offer
What You Get
Free Trial Period and Cost After Trial
myFICO
Editor's Choice
Your official FICO® Score from each of the 3 credit bureaus$4.95 for the first month,
then $14.95 per month.
Credit Sesame
Editor's Choice
Free credit score, report and report card
No cost
Credit KarmaFree credit score without a credit card
No Cost
TrueCredit3 Credit Scores with Credit Monitoring and Alerts
7 day free trial,
GoFreeCreditFree Equifax Credit Score
with Credit Monitoring and Alerts
30 days / $16.95

The above offers provide your credit score as reported by one or more of the three major credit bureaus.  But some of those scores do not use the FICO formula. This can be a bit confusing, and is worth a few moments to explain.  The credit bureaus have your credit information on file that they use to generate credit scores. Think of your credit report as containing all of the data that they put into their credit score formula to calculate a score.

Here’s where it gets a bit complicated. The credit bureaus don’t have just one credit score formula; they have many of them. Some of these formulas come from a company called Fair Isaac, better known as FICO. And just to confuse us some more, there is more than one FICO formula.  None of the free trial offers provide an exact FICO score and unfortunately myFICO.com has discontinued their free trial program, so the only way to obtain your true FICO credit score is to pay for it.

While the credit score programs you see above use different formulas and produce different results, the credit scores from these formulas are still pretty close to one another. You won’t see one formula producing a score of 820 and another showing 530. So do you need your FICO score versus the other types of scores? Frankly, getting your FICO score versus the scores reported by the agencies has become less important. Why? Because the results are about the same, and they all give you a really good picture of the health of your credit.

Published or Updated: November 24, 2014
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

Comments

  1. I didn’t realize that they would alert you when your credit moved to a certain score. That’s a pretty nice feature.

  2. Vu says:

    all three credit bureaus the only thing they do it’s crew-up or ruin your credit history and bias for lender…one hand took your credit protection other hand ruin your credit history…in facts they said no discrimination on race or color..but it’s lied…i’m a victimize of this sampled !!!!! all equifax,experian,transunion gotten questions go tracing Me now

  3. Louis Laureyssens says:

    I always had a good credit , 2 years ago a heatstroke knocked me out for two months I lose my job and struggeled to make payments on time . with this stupid thing of score the bank cut my credit .overnight and there I was bankrupcy was the sole way out. This score thing should be banned it is inacurate 80 % the time it is a bankers invention to charge more interest and loot your money the fed say the interest rate is so and so % but if your score is
    you pay more and more and more. and this administration did the ultimate….l
    say lend but it is in fact give away our money to this croocks.unbelievable.

  4. Lisa C says:

    I use freecreditreport.com because I get all three credit scores and all three credit reports. I pull my credit this way every three to four months for a flat fee. I recomend a quarterly exploration of your personal credit, thus more time to address any negative issues on your report.

  5. MK says:

    I was only able to get a score from Experian – myFICO.com can’t give me a score saying I don’t have enough information on file. I haven’t had a mortgage, car payment, or credit card for several years, and my FICO.com can’t help me figure out where I stand. No help at all to determine if I can get a mortgage or car loan. At least annualcreditreport.com got me a credit report and some kind of score to work with.

  6. DR says:

    MK, I suspect the score Experian gave you was not a FICO credit score. If you have little recent credit history, there just isn’t enough data to input into the FICO score formula to compute a score.

  7. Lots of people do not avail the facility to get a free copy of their credit report each year. They can get this from all three major credit bureaus.

  8. DR says:

    Gordan, you are absolutely right, and folks should get the free credit report each year to make sure it’s accurate.

  9. Jessie says:

    In Canada you can go to equifax and to trans unions websites and order your scores that way. I prefer avoiding third party ‘fees’ and just going to the source.

  10. shana says:

    All my bills have been paid off and only one – TransUnion, will NOT delete it from my record even though the creditor has said that it could be deleted and gave me a letter stating it was paid in full. It doesn’t seem fair that a credit bureau can keep poor info on one’s credit for a full 7 years! Now I am having trouble getting a mortgage loan just because of that – have no other bills or mortgage – just trying to get a first time buyer mortgage. It doesn’t seem fair and I am extremely disappointed in TransUnion. Equifax and Esperian have my credit score as being very good.but TransUnion is ruining it all.