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. 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.

    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.

www.tellhardees.com – 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 www.tellhardees.com and complete a short survey, and at the end you’re entered into the $500 Gift Card sweepstakes.

About Hardee’s

Hardee’s is one of the most popular fast food chains in the country, with more than 3,000 locations nationwide serving delicious thick burgers, fries, shakes. The thing that sets Hardee’s apart from the rest is the fact that they make everything fresh and it tastes more like home made than other fast food chains like McDonalds. They are currently looking for ways to reward their customers for their opinions by offering valuable gift cards for their opinions and experiences.

How to win $500 Gift Card from www.tellhardees.com

Things you will need:

  1. A Hardee’s Receipt less than 14 days old.
  2. Must be a legal resident of the United States of America.
  3. Must be over 18 years of age.
  4. For postal entry, a pen or pencil and postcard.
  5. A computer with internet access for online entry.
  6. A phone number you can be reached at.

Instructions:

To enter online:

  1. Visit www.tellhardees.com to begin customer satisfaction survey.
  2. You will see a list of previous winners with an introduction, then click Next.
  3. Select which state you visited Hardee’s in, then click Next.
  4. Select the City, then click Next.
  5. Select the address, then click Next.
  6. Enter the date of your visit.
  7. Enter the transaction number that’s on your receipt.
  8. Next, begin answering the survey questions honestly, and drawing from your own personal experiences visiting Hardee’s.
  9. Next, answer some simple demographic questions, then indicate that you would like to enter the sweepstakes for the $500 gift card.
  10. Finally, enter your contact details in order to enter the sweepstakes, and submit your information.

You can also do a postal entry, here are the instructions for that:

  1. Send a 3” x 5” postcard, with the correct postage, and including your full name; complete address, date of birth, phone number, and e-mail address to Hardee’s® Customer Experience Sweepstakes, 100 N. Broadway, Suite 1200, St. Louis, MO 63102.
  2. All mail in entries must be received by no later than 11:59 PM (CT) on the last day of the quarter of that sweepstakes to be eligible in a given quarter. Mail in entries received after 11:59 PM (CT) on the last day of a given quarter will be entered into the next quarterly drawing, if there is one.

In Conclusion

If you love Hardee’s, and you love getting free food, then tellhardees.com survey is for you. It’s simple and doesn’t take long to complete, so I hope you take advantage of this opportunity to win $500 gift card from Hardee’s.

Related Links:

Hardee’s Website: www.hardees.com
Survey Website: www.tellhardees.com

www.tellross.com – 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 www.tellross.com. 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.

About Ross

Ross is a chain clothing store which sells mens, womens and childrens clothing as well as footwear and other accessories. Ross will typically sell name brand clothing at much lower prices than most department stores around today. Do you have an experience to share about shopping at Ross? Or would you just like to have a chance at winning a $500 Ross Gift Card? Then this survey is for you – tellross.com.

Win a $500 Gift Card at www.tellross.com

Things you will need to enter:

  1. A receipt from a recent purchase at Ross Dress For Less.
  2. A computer with internet access.
  3. An email address and phone number.

Instructions:

  1. Visit www.tellross.com to begin the customer satisfaction survey.
  2. Select which language you prefer, English or Spanish, then click Next.
  3. Read the short introduction and then tell them whether you have a Ross receipt with you or not.
  4. Enter the receipt number in the space provided.
  5. Continue with the survey, just answer each question with your honest opinion based on your experience at Ross.
  6. Upon completion of the survey, you will be asked if you want to be entered into a sweepstakes to win $500 Ross Gift Card.
  7. Enter your contact details such as name, address, phone number, and email in the spaces provided.

In Conclusion

There are many opportunities to find Ross coupons by scanning the newspaper or looking on the internet. But this is a great way to have a chance at winning a $500 gift card to spend on anything you want at Ross Dress For Less – www.tellross.com. Give it a try!

Related Links:

Ross Dress For Less Website: www.rossstores.com
Ross Survey Website: www.tellross.com

Win $5,000 Gift Card – www.homedepotopinion.com

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 www.homedepotopinion.com, so my fingers are crossed! You should enter for your chance to win too, the survey doesn’t take long at all to finish.

About Home Depot

Home Depot is based in the US, and they are one of the leading home improvement stores throughout the country. They have a huge selection of construction supplies, home improvement supplies, as well as a full gardening and hardware section. They are currently looking to improve their service to us, and also give away free $5,000 gift cards! That’s where the survey comes in, all you have to do is tell them about your visit and/or opinions about their service, and you can enter to win.

Win a $5,000 gift card from www.homedepotopinion.com

Things you will need:

  1. A recent store receipt from Home Depot.
  2. Computer with internet access.
  3. Must be over 21 years of age.
  4. Be a legal resident of the US, District Of Columbia or Puerto Rico.

Instructions:

  1. Visit www.homedepotopinion.com to begin the official customer survey.
  2. Choose your language, and begin the survey.
  3. Enter the postal code of the store you made your purchase from.
  4. Answer each question honestly, based on your experience shopping at Home Depot.
  5. Upon the completion of the survey, you will be asked to enter the Home Depot $5,000 gift card sweepstakes.
  6. Enter your contact details and answer some simple demographic questions, and you will be entered to into the sweepstakes.

In Conclusion

If you love free money as much as I do, this is a perfect opportunity to enter for your chance to win a $5,000 gift card to Home Depot just for completing a simple survey at homedepotopinion.com.

Related Links:

Home Depot Website: www.homedepot.com
Home Depot Survey: www.homedepotopinion.com

www.talktowendys.com – 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 www.talktowendys.com 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!

More About Wendy’s

Wendy’s is one of the most popular fast food chains in America. They have amazingly tasty burgers, chicken sandwiches, fries, not to mention their desserts such as frosty’s. They want their customers to be satisfied and come back often, so they are offering the chance to take this customer satisfaction survey and receive free discount coupons good for your next trip to Wendy’s. You can help them make their service better, and at the same time get free food for you!

Get Free Wendy’s Coupons from www.talktowendys.com

Things you will need:

  1. A computer or smart phone with internet access.
  2. A Wendy’s store receipt from a recent visit.
  3. An available printer.
  4. A valid email address.

Steps to get your free coupons:

  1. Visit the official survey website located at www.talktowendys.com
  2. Select your desired language.
  3. Enter the 8 digit restaurant number printed on the top of your receipt.
  4. Enter the date from the receipt.
  5. Enter your e-mail address and click Next.
  6. Begin answering the survey questions, adding any additional info in the space provided if desired.
  7. When you’re finished with the survey, you will receive a coupon by e-mail at the address you entered.
  8. Check your e-mail, find the coupon and print it off.
  9. Take the coupon in for free food next time you visit Wendy’s.

In Conclusion

It’s so simple to do, and it helps them become better at satisfying their customers, plus you get free Wendy’s food! To me there’s no reason not to do the talktowendys.com customer satisfaction survey.

Related Links:

Wendy’s Website: www.wendys.com
Survey Website: www.talktowendys.com

www.mystarbucksvisit.com – 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 www.mystarbucksvisit.com 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.

About Starbucks

Starbucks is America’s favorite coffee chain with over 23,000 locations worldwide, serving coffee 24-7, and still growing like wildfire. They are determined to keep up the momentum by doing everything they can do to satisfy their customers and keep them coming back, which is why they are currently offering discount coupons and a chance to win $1000 just by completing a short survey located at mystarbucksvisit.com.

Win $1000 with Starbucks Survey – www.mystarbucksvisit.com

Things required:

  1. You must be a legal resident of the US, Puerto Rico, or District of Columbia.
  2. Must be 21 years of age or older.
  3. Have Starbucks store receipt of less than 14 days old.
  4. Pen or pencil.
  5. Computer or smart phone with internet.

Instructions:

  1. Visit the www.mystarbucksvisit.com to begin the survey.
  2. Choose your language – English, Spanish of French.
  3. Type in your customer code which is printed on your receipt or survey invitation.
  4. Answer the questions as best you can based on your experience with Starbucks.
  5. When the survey is finished, a coupon code will be displayed on the screen. Write the code down on your receipt.
  6. You will be asked if you want to enter to to win $1000 monthly giveaway, just fill in your contact info so they can get a hold of you if you win.

In Conclusion

If you’re a coffee fanatic like I am, or if you just like the chance at winning $1000, you will want to do this survey – www.mystarbucksvisit.com. At the very least you will receive discount coupon you can use on your next visit.

Related Links:

Starbucks Website: www.starbucks.com
Survey Website: www.mystarbucksvisit.com

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:

Screen-Shot-2013-10-03-at-9.28.36-AM

 

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.

Screen-Shot-2013-10-03-at-2.28.10-PM-e1380829076792

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

Credit.com – 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

How to Cancel FreeScore360.com Membership

Have you found yourself a member of a site called FreeScore360.com, and wanting to cancel? Well join the club! While it’s not impossible to cancel your account there, it’s not as easy as clicking a “cancel” button on their website (that would be way too easy, wouldn’t it?). Here’s how:

How To Cancel FreeScore360.com

First of all, FreeScore360.com is a credit monitoring service, which offers a free 7 day trial, in which you can get your free credit scores and credit monitoring. At the end of that free trial, if you don’t cancel, you are charged $29.95/month. Which is just too expensive!

Take these steps to cancel FreeScore360.com

  1. Call 1-800-972-7204, and have your account number handy if possible.
  2. Request an immediate cancellation of your account.
  3. Don’t fall for their attempts to keep you as a customer, if you really want to cancel your account, just stick with it.
  4. Check your credit card statement to make sure they do not charge any additional fees. If they do, ball back ASAP.

Why Do You Have To Call To Cancel?

They will tell you it’s for security purposes, but really it’s so they can do their best to talk you into staying on as a member. They will tell you all the benefits of being a member, and the things you will be missing if you cancel. Services like this will also typically offer a lower price if you agree to stay.

If they provided an easy way to cancel through the members area on their website, they would lose a lot of money! People would sign-up for the free credit scores, and go right in and hit “Cancel my account”. Those dollar wills would escape way too easily that way.

They’re not stupid, they don’t want to lose money that easy. So they have a trained team of customer support reps aimed at keeping you as a customer, and they want to talk to you before you actually cancel your membership. Lucky you!

Don’t worry though, as long as you’re willing to spend a several minutes on the phone and just keep insisting on canceling your account with FreeScore360.com, you’ll be fine.

Find out how to get really free credit scores without getting ripped off!

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).

Why is MyFreeCreditReport.com so over priced?

Whoever owns myfreecreditreport.com can set the price on the recurring fee if they choose to. The more money is charged, the more that person can make of course. But that also runs the risk higher cancellation rates, so I don’t know if they have found a balance there or not, but I do know that price is ridiculous.

As mentioned above, visiting MyFreeCreditReport.com leads you to the same service as other sites like FreeScore360.com, FreeScoreOnline.com and FreeCreditCheck.com do. So the sign-up process and cancellation would be very similar (maybe with a different phone number). So if you have been duped into signing up for this service, it’s not a huge deal to cancel – but you do have to call.

If you’re looking for real free credit scores then be sure and find out which free credit score sites are the best. That article when get you going in the right direction!

How to Cancel FreeScoreOnline.com Membership

Have you found yourself in need of canceling your FreeScoreOnline.com membership? Don’t want to get charged $29.95 for your next month of service? You’re not alone! In fact, you’re one of thousands of people who have recently been duped into signing up for this service.

How To Cancel FreeScoreOnline.com

They make it really attractive, and very simple to sign-up for their service, don’t they? Well, canceling is not as easy I can guarantee you that. You will need to call their customer support line at 1 (855) 367-4817 in order to cancel.

Of course expect the retention department to do everything they can to keep you as a paying customer. They don’t want to see dollar bills walking out the door, but just keep your cool and just insist on canceling, and you will get it done.

Take these steps to cancel FreeScoreOnline.com

  1. Call 1 (855) 367-4817, have your account number handy if possible.
  2. Request an immediate cancellation of your account.
  3. Resist and insist: If you really want to cancel, don’t fall for their attempts to keep you as a customer, and insist on canceling.
  4. Check your credit card statement and make sure the charge does not show up. If you see any additional charges, call back ASAP.

Why Do You Have To Call To Cancel?

They will tell you it’s for security purposes, but really it’s so they can do their best to talk you into staying on as a member. They will tell you all the benefits of being a member, and the things you will be missing if you cancel. Services like this will also typically offer a lower price if you agree to stay.

If they provided an easy way to cancel through the members area on their website, they would lose a lot of money! People would sign-up for the free credit scores, and go right in and hit “Cancel my account”. Those dollar wills would escape way too easily that way.

They’re not stupid, they don’t want to lose money that easy. So they have a trained team of customer support reps aimed at keeping you as a customer, and they want to talk to you before you actually cancel your membership. Lucky you!

Don’t worry though, as long as you’re willing to spend a several minutes on the phone and just keep insisting on canceling your account with FreeScoreOnline.com, you’ll be fine.

See my recommended sources for completely free credit scores.

FreeCreditCheck.com – Not So Free After All

I’ve seen the website FreeCreditCheck.com many times before, but it wasn’t until I ran across it again tonight doing a google search, that I knew I had to do a post dedicated to it. So here’s my take…

Not So FreeCreditCheck.com

This is another one of those free trial offers, they say you get your free credit scores to lure you in, but really it’s just a 7-day trial of a credit monitoring service which is significantly overpriced to begin with. If you forget to cancel your trial, you’re stuck with $29.95 fee, just for one month of service.

There are some quality, reasonably priced premium credit monitoring services out there offering free credit scores, FreeCreditCheck.com is not one of those. I’m not a member of their service, so I can’t say whether it’s crap or gold, but I do know that the monthly price is sky high compared to the other well known services of its kind, so I recommend you stay away from this site.

Truly Free Credit Scores, No Credit Card

Here are my picks for completely free credit scores, no credit card required, no free trials, none of that crap:

  1. Credit Sesame – Provides your free credit scores, monitoring and even ID theft insurance at no charge (my favorite 100% free service).
  2. Credit Karma – Free credit scores and reports, plus free TransUnion credit monitoring.
  3. Quizzle – Provides your free credit report, free credit score, plus useful tools and analysis to help you understand your credit.
  4. Credit.com – Get your free credit score plus monitoring.
  5. Wise Piggy – Free TransUnion credit score.

More on this topic: Top 5 Free Credit Score Services