Top 5 ways to get your 100% Free Credit Scores

I’ve tried them all so you don’t have to. They come in two categories: Premium and Ad-Supported. It’s very similar to cable TV channels. Your premium channels would be ones you pay extra for like HBO, Starz, Showtime and so on. Your ad-supported channels are pretty much everything else, the ones that you don’t pay extra for, but you have to watch commercials. Here are my top 5 picks for getting completely free credit scores:

    1. Identity Guard – Premium Service

The best premium service for all 3 Free Credit Scores, with added benefits of powerful ID theft protection and prevention and ongoing credit monitoring. Comes with a free trial period, but there’s no obligation to continue beyond the free trial. This one is tops in my book for many reasons, I’ve been a member for several years now and never regret it.

    1. CreditKarma – Ad-Supported Service

CreditKarma is a good basic free way to check your credit scores. This service is ad-supported, which means there’s no charge, but they will present you with various credit card and/or loan offers so they can pay the bills without charging you directly.

    1. Credit Sesame – Ad-Supported Service

This service is actually my favorite ad-supported service. Like CreditKarma, it’s ad-supported so even though it’s free, be prepared to turn down many advertisements. They do have a very easy to navigate website, which does make it easier to see what you need to see without a lot of trouble.

    1. – Ad-Supported Service is an ad-supported service, also very basic and easy to use. It doesn’t offer a lot in the way of information to help you understand your score, but you can get that elsewhere.

    1. Quizzle – Ad-Supported Service

Quizzle was one of the first ad-supported services to offer free credit scores, but in my opinion, that alone doesn’t make it one of the best. It’s a good option if you don’t like any of the other services for one reason or another.

Identity Guard is #1 for a reason, check them out and you’ll find out why. – Apply For USBank Credit Cards Online

An interesting credit card offer from US Bank came in the mail today – U.S. Bank Cash+ Visa Signature Card. It’s main selling point seemed to be 5% cash back bonus on categories that change every quarter, up to $2,000 in net purchases per quarter. It directed me to visit to apply (which also probably serves as the starting point for many of their credit card offers).

This card seemed unique because instead of them choosing the bonus cash back categories for you, they let you choose your own. This is an interesting concept I have not seen much elsewhere. Continue reading – Apply For USBank Credit Cards Online – Apply For Citi Diamond Preferred Card

Today I received yet another credit card offer from Citi – Citi Diamond Preferred Card. This card’s hook is its long 0% for 21 months on purchases and balance transfers, then 11.99%-21.99% thereafter based on your creditworthiness. It instructed me to visit to apply online.

This credit card is an excellent choice if you’re looking to transfer balances or are wanting to make some purchases without paying them off right away. Its long 0% introductory period is very attractive for that purpose. Continue reading – Apply For Citi Diamond Preferred Card – Enter To Win $10,000, Auto Zone Survey

Auto Zone is actually the only auto parts store I frequent. I don’t know why, but they are my favorite and have been for a long time. So when I hear that I can enter for a chance to win $10,000 cash from one of my favorite stores, I just can’t pass up the opportunity. All you have to do is complete the survey at and enter for your chance to win 10 grand! Continue reading – Enter To Win $10,000, Auto Zone Survey – Get Your Free Route 44 Drink

Sonic is currently giving away free route 44 drinks to anyone who has visited within the past 14 days, and saved the receipt. All you have to do is go to and fill out the short survey, write down the code the site gives you on your receipt, and take it in next time you go to claim your free route 44! Continue reading – Get Your Free Route 44 Drink – Win a $500 Hardee’s Gift Card

Hardee’s has always been one of my favorite fast food restaurants. I love their ham and cheese sandwich, and they have great burgers and fries. When I heard about this opportunity to win a $500 Gift Card at Hardee’s, I couldn’t pass it up! All I had to do was visit and complete a short survey, and at the end you’re entered into the $500 Gift Card sweepstakes. Continue reading – Win a $500 Hardee’s Gift Card – Win a $500 Gift Card to Ross

Ross is currently inviting its customers to share their experience and opinions about their service, though Ross customer survey website I love the opportunity to win free money or gift cards, and this is a great opportunity to win a $500 Ross Gift Card, to buy anything you want as long as it’s at a Ross store. Continue reading – Win a $500 Gift Card to Ross

Win $5,000 Gift Card –

I don’t know about you, but I would love to win a $5,000 Home Depot Gift Card, it would definitely to to good use around here. I have already completed the survey at, so my fingers are crossed! You should enter for your chance to win too, the survey doesn’t take long at all to finish. Continue reading Win $5,000 Gift Card – – Get Free Wendy’s Coupons

I’m a sucker for good burgers and fries, and Wendy’s has both of those things. I also can’t resist getting free coupons when I get the chance, which is why I recommend taking the customer satisfaction survey. All you have to is fill out a short survey, and you will receive free coupons for your next trip to Wendy’s. Good deal if you ask me! Continue reading – Get Free Wendy’s Coupons – Win $1000 From Starbucks Survey

If you love coffee like I do, most likely you also love Starbucks as well. And if you love free coupons and a chance to win $1000 (like me), then you’ve come to the right place. All you need to do is visit and complete a short survey, and you will be entered into a monthly sweepstakes for your chance to win $1000, as well as free Starbucks discount coupons upon the completion of the survey. Continue reading – Win $1000 From Starbucks Survey

How To Get Your Free Credit Score, No Credit Card, No Trial

Are you getting sick of those so-called “free credit score” offers, the ones that require a credit card and give you a 7 day trial – only to charge you something like $29.95 if you don’t cancel your trial before it expires? If so, you’re not alone. You’re actually in luck, because there are now many good sources for your free credit score with no credit card or trials.

Best Ad-Supported Free Credit Score Services

My Top Choice is – Credit Sesame

I’ve been a member of Credit Sesame for a couple years now, and they have added some cool features since I paid my first visit. They will of course provide you with a free credit score, updated monthly. They have recently added credit monitoring and some basic identity theft protection to their arsenal.

Here’s a snapshot of my credit score from my Credit Sesame account:



Overview of Credit Sesame Benefits:

  • Free Experian Credit Score
  • Monthly Credit Score Updates
  • Credit Score Tracking Feature
  • Experian Credit Report Monitoring
  • Always Free – No Credit Card, No Trial

My Experience With Credit Sesame:

I enjoy Credit Sesame as a basic way to get my credit score, however I am also a member of a premium service called Identity Guard which provides all 3 free credit scores instead of just 1, as well as much more powerful credit monitoring and identity theft protection. So although I think Credit Sesame is a good 100% free way to check your credit score, there are much more powerful options out there in the Premium category.

Link: Credit Sesame

My Second Choice is Credit Karma

I’ve been a member of Credit Karma for quite a while as well. As far as I know, they were the first Ad-Supported free credit score service to come out, so they kind of paved the way for all the rest that came later. While they’re not necessarily my favorite, they do offer a good service especially for being supported by advertisements.


Overview of Credit Karma Benefits:

  • Free TransUnion Credit Score
  • Monthly Credit Score Updates
  • Credit Score Tracking Feature
  • TransUnion Credit Report Monitoring
  • Always 100% Free – No Credit Card, No Trial

My Take on Credit Karma

Credit Karma is a great service to get your free TransUnion credit score, but in my opinion it’s not as clean and easy to use as Credit Sesame. It’s definitely worth checking out if you’re hunting for your score in the Ad-Supported category. But I still recommend trying out Identity Guard and getting all 3 free credit scores before settling on an Ad-Supported service.

Link: Credit Karma

Honorable Mentions

The two services above are my favorites, but that’s not nearly all the options there are to choose from out there. There are numerous Ad-Supported free credit score services currently out there. Here are a few of the more popular alternatives…

Quizzle – Free Experian Credit Report & Score

  • Free Experian Credit Report every 6 months
  • Free Experian Credit Score
  • Always Free, No Credit Card Required – Free VantageScore & Report Card

  • Free Credit Report Card (not full credit report, but still useful)
  • Free VantageScore Updated Monthly
  • Always Free, No Credit Card Needed

WisePiggy – Free TransUnion Credit Score

  • Free TransUnion Credit Score
  • WisePiggy Credit Report Assessment

I invite you to check out all your options, including my favorite premium credit monitoring service – Identity Guard – for your credit score and credit monitoring needs.

Related post: Top 5 ways to get your 100% free credit scores