Sunday, 18 August 2019

How to Check Your Credit Score For Free

Today we are going to look at how to check your credit score for free online. Now, there are some websites that will let you check your credit for a fee, in my opinion, you should never need to use these, there are enough free options out there for a free credit score and credit report. First of all, many credit card gives you access to some credit score that can give you a rough idea of where you are at, like the credit wire system from Capital One. Capital One's credit checker used to be really inaccurate, but it's got a lot better since they updated it.

You can see it gives me a score of 744 and some information about factors affecting my score, although I wouldn't call this a full credit report. I got access to this by having the capital One Platinum card. If you have an American Express, Bank of American, or discover card, you can access your FICO on their websites. Actually, in the case of Discover, you can use their system to check your score even if you don't have a Discover card. FICO scores are the type of score that about 90% of lenders use to make their decisions.

Let's have a look at a couple, here's my score on American Express. I get access to it through having the American Express SPG credit card, 

You can see it just gives you the score not much other info and it's higher than the score I have from Capital One. Let's look at the discovered system. I don't have a discover card but you can use their system anyway, just go to, and provide your social security number.

Now, let's have a look

You can see discover gives me a bit of other info about how many accounts I have open utilization, etc, and the factors pulling my score down. Now, let's look at the resource that gives you a free credit score and credit report,, now, there are other sites that do this like credit sesame, but credit karma is the one that I've always used, so let look at that.

Credit Karma gives you scores from two different credit reporting bureaus TransUnion and Equifax, you can see these scores are different, that is because different banks and credit card companies report through different bureaus. Credit karma actually gives you a full credit report from these two credit bureaus, but there is one more called Experian and you can get a free credit report from there website. If you want a FICO score from them you have to pay $4.99 and it isn't really necessary since you can get it for free elsewhere. But this site is useful for checking how many hard pulls you have on your account since Experian is one of the three major credit bureaus and although banks aren't that open about which agency they use, chase and Amex have been known to favor experience, an experience often ends up showing the hardest pull.

Those are the link

Discover Credit Score Checker:
Credit Karma:
Experian Credit Report:

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