Top 4 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.

free credit scores

Here are my top 5 picks for getting completely free credit scores:

  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.
  2. 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.
  3. Credit.com – Ad-Supported Service
    Credit.com 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.
  4. 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.

Take Surveys & Get Free Stuff

Do you like expressing your opinions? How about getting free stuff?

If yes, then these surveys are for you!

There are a wide range of surveys such as restaurant surveys, store surveys, and sweepstakes you can enter.

Many require a purchase, while others do not.

Note: If a purchase is required, just go there and buy something cheap, then use the survey code on the receipt to get your free prize.

Without further ado, here are my top picks for restaurant and retail surveys with the best rewards:

Restaurant Surveys

McDonald’s Survey – McdVoice.com
Reward: Free Quarter Pounder of Egg McMuffin
Purchase Required: Yes
Comments:
Who doesn’t love McDonald’s. It’s actually a very easy and quick survey, take it and get your coupon for your free sandwich.

Jack In The Box Survey – JackListens.com
Reward: 2 Free Tacos
Purchase Required: Yes
Comments:
Receipt serves as your survey invitation. Good on your next visit to Jack In The Box for 2 free tacos.

Dairy Queen Survey – DQFanSurvey.com or DQFanFeedback.com
Reward: Free dilly bar
Purchase Required: Yes
Comments:
I’m not entirely sure why there are two different survey sites for this one, but they both appear to offer a free dilly bar as a reward. If you’re a fan of DQ, do the survey.

Subway Survey – TellSubway.com
Reward: Surprise Offer
Purchase Required: Yes
Comments:
It’s not clear to me what the reward is for this survey, but since Subway is one of my favorite places to eat, I had to throw this one in there. Any way I can save money while eating at Subway, I’ll take it.

Retail Store Surveys

Kroger Feedback Survey – KrogerFeedback.com
Reward: Chance to win $100 or $5,000 in Gift Cards, plus 50 free fuel points
Purchase Required: Yes
Comments:
Purchase of any amount is required. Quick and easy survey, definitely worth completing for a chance at up to $5,000 gift card plus 50 extra fuel points.

Dollar General Survey – DGCustomerFirst.com
Reward: Chance to win $100 Gift Card
Purchase Required: Yes
Comments:
Purchase of any amount is required. Quick and easy survey, definitely worth completing for a chance at $100 gift card.

Kroger Survey – KrogerFeedback.com
Reward: Chance to win $100 or $5,000 gift card
Purchase Required: No
Comments:
They say no purchase necessary to win, but you need a recent receipt from Kroger. So you will need to make some sort of purchase to enter.

Shoppers Drug Mart Survey – SurveySDM.com
Reward: Chance to win $1,000 gift card
Purchase Required: No
Comments:
No purchase required to win, but you will need a recent store receipt to serve as your survey invitation, so hold on to your receipt for this reason.

www.usbank.com/myoffer – 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 www.usbank.com/myoffer 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. Read More

Citi.com/applydiamondpreferred – 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 Citi.com/applydiamondpreferred 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. Read More

MyFreeCreditReport.com Review – Wow, what a Scam!

I’m always out patrolling so called free credit report and free credit score offers, and this morning I ran across a doozy – MyFreeCreditReport.com.

That site leads you to the same credit monotoring service as FreeScoreOnline.com and FreeCreditCheck.com, where you sign-up for a free trial and get your credit reports and free credit scores. But this one states this right there on the landing page “$39.95 automatically charged after free trial”. So that means if you don’t cancel your free trial, you’re charged almost $40 just for one month of service! That’s outrageous compared to the competition! (By the way, here’s how to cancel FreeScoreOnline.com). Read More