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:

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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 FreeScoresAndMore 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 FreeScoresAndMore 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 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: Continue reading How to Cancel FreeScore360.com Membership

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). Continue reading MyFreeCreditReport.com Review – Wow, what a Scam!

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. Continue reading How to Cancel FreeScoreOnline.com Membership

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. Continue reading FreeCreditCheck.com – Not So Free After All

MyCreditScore.com & MyFreeCreditScore.com – Watch Out For These Guys

I was browsing for free things this evening, and I just happened to type in MyCreditScore.com, there was nothing there but a “sorry, not found” page… so of course I tried MyFreeCreditScore.com and all I found there was a redirect to another site which wanted me to sign up for a service called PrivacyGuard.

To be fair, I’m familiar with PrivacyGuard, it’s a good service. But whatever you do, don’t sign-up through that link, the monthly price is mysteriously $5 more than it should be. And if you know anything about me, you know I can’t stand unnecessary spending (yes even just $5). I suspect that $5 increase is just a way to put more money in the pocket of whoever owns that domain name, so just don’t do it through that link. Continue reading MyCreditScore.com & MyFreeCreditScore.com – Watch Out For These Guys

www.Citi.com/creditscore – Free FICO Credit Score for Citi Cardmembers

I ran across an interesting bit of information today, certain Citi Credit Card holders can get their free FICO® Credit Score, based on their Equinox credit report, updated once a month. It said to go to www.citi.com/creditscore, which I did and this is what I found…

Apparently only certain Citi cardmembers are eligible for this Free FICO Credit Score, so not all Citi members are able to get it. Also, it’s only 1 credit score, instead of all 3. Continue reading www.Citi.com/creditscore – Free FICO Credit Score for Citi Cardmembers

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. 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.