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:
- 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.
- 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.
- 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.
- 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.
- 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.