There are many companies that offer to let you check your Credit Score for free, but with a catch! You'll have to sign up for something else that costs you money. There is however, one company that I myself use, CreditKarma, that provides this information for free. You don't have to provide a credit card number or anything. I read many reviews about this company before signing up, and they came highly recommended, so I gave them a try. After having used them for many years now, I can tell you that the reviews were correct - it is a great free service. Plus they provide many great tools to improve your Credit Score. They are able to offer this free service due to advertising, and because, based on your credit information and scores, they are able to determine which credit offers (such as credit cards and loans) would be best for you and they "recommend" these offers to you. You can ignore them, or if you're looking for additional credit, or to consolidate, you can apply for one of the suggested/recommended offers.
They provide you with 2 scores from the Credit Reporting Agencies that automatically update each month from TransUnion and Equifax. Once you've signed up, from then on, when you log-in, you will be taken to a screen that provides your "Financial Overview." This page contains your current credit scores from TransUnion and Equifax, plus any New Accounts Reported (i.e., new credit cards), your Account Balances (i.e., credit card, loan, mortgage balances), Overall Credit Card Utilization (how much of your available credit you have used), and Near Credit Limit (any credit cards, etc. that are nearing their credit limits). In-between this information are the Ads and Suggestions that I informed you of earlier.
After you have reviewed this page, you can then return to the top of the page, and just under your Credit Scores, you will see 2 links: Credit Reports and Score Details.
TransUnion and Equifax information are listed side-by-side for comparison purposes. You will notice that the information is condensed, so you will not see as much detail as you would see on your Annual Credit Report from the Government, which is nice, because you don't always need to see all of this clutter and confusion. Just the basics, ma'am! But, if you see a problem, or if you need to see that additional detail, you can click on the link and it's all there for you.
This section shows you the factors that impact your credit score. This section is very helpful when increasing your credit score if you know how to use it. To simplify things, and so that you'll always know what affects your score, I've broken down each section below. CreditKarma provides a handy assessment of how you're doing by percentage and Grade (from Poor to Excellent). In the lessons below, you will see that I refer to the factors impacting your score as your "Report Card." This is because in the old system that CreditKarma used to help us to improve our credit, they referred to these items as Grades and Report Cards. It was fun to see your Grade go from a C to an A when you improved one of these factors. They have since changed their system slightly and don't use Grades A-F and Report Cards, but use the terms (Poor, Fair, Good & Excellent). Either way, you can still chart your improvement.
Here are some of the things that affect your credit score and tips to increase your credit score:
I hope that I have helped you to better understand what affects your score.Take advantage of the tools offered by Credit Karma. It will actually become fun using the tools that I mentioned above, and that they provide. Then watch your score rise. Knowledge is Power, and great credit ROCKS!
There are many other pages and tools that you can explore on CreditKarma, but the ones mentioned above are the most important.
Many Credit Card companies are offering select customers Free Access to their Credit Score either monthly or as often as they wish to view it! You may need to opt-in to the program. Simply sign up through their website and you can monitor your credit score - it's that simple. You may need to authorize them to see the score as well, and they may make decisions regarding your credit worthiness based on that score, but heck, they had access to this information already. You've simply made it easier for them to view it. You can usually cancel your membership in the free program anytime you wish, just be certain to read the Agreement carefully before checking the box.
Here are the credit card companies that I believe are offering these services at this time. Please check with your card carrier to confirm and/or to see if they offer this free service.
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Free Prescription Drug Card
This free card will save you up to 85% off of your prescription drugs at the pharmacy! Input some info and print it or wait for a card to arrive in the mail. Easy peezy!
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