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Credit Checkers

Top 5 Websites You can Check Your Credit Absolutely Free

Your credits checked before any lender will offer you a loan or line of credit.

Do you know your score?

There are several companies out there that let you check your credit report and scores. Some charge, while others are free.

Here are the best websites and apps to check your credit score for free.

1. Credit Karma

Credit Karma is a totally free website that  allows you to check your Trans Union and Experian credit scores for free. You must become a member in order to view your credit report and free credit scores. There is no purchase or credit card needed to join.

TransUnion and Credit Karma are now owned by the same company. This is good news because you can now dispute your Transunion credit report directly from the Credit Karma app.

Credit Karma has a phone app for iPhone OS and Android.

Your credit score will be updated once a month. You do get an instant alert anytime something changes on your profile. If your credit is ran you will get an in-app alert almost immediately.

• No credit card needed
• Monitor TransUnion and Equifax Credit Reports and Scores
• Dispute with TransUnion directly from the app
• 24/7 credit monitoring alerts
• Free personalized offers

2. Credit Sesame

Credit Sesame has a regular website and phone apps. Like Credit Karma there is no credit card needed to join and view your Transunion credit scores. The app is very user friendly and your credit rating is updated weekly. You also get immediate credit alerts anytime there’s any changes on your credit profile.

• No credit card needed
• Live updates
• Credit alert emails
• Monitor your Transunion score and report
• Personalized credit card offers

3. Wallet Hub

Wallet Hub recently established their own free credit score app. You can sign up for free on their website or with their iPhone or Android app. With Wallet Hub you can monitor your TransUnion credit report and score. You can also get live SMS text alerts on activity and alerts on your credit profile.

• No credit card required
• Daily updates
• View full Transunion credit report
• SMS credit alert notifications

4. LendingTree

Lendingtree’s credit monitoring service uses the Vantagescore 3.0 which is a combination of all three major credit bureaus.

A cool feature offered by Lendingtree is that they are able to know the interest rate on your mortgage and provide an estimate of the potential rate and monthly savings you can have by refinancing.

• No credit card needed
• Check Vantagescore 3.0 free
• Mortgage and refinance offers

5. NerdWallet

NerdWallet.com allows you to view your Vantagescore 3.0, score is updated every 7 days. With an easy to use online tool and smart phone app, NerdWallet’s free credit score service is convenient and simple to use.

You will have access to your Vantagescore which is a combination of all three of the major credit bureaus. Instant alerts when any changes are made to your credit history.

• No credit card required
• Free Vantagescore 3.0
• Updated every 7 days

Checking Your Credit Does Not Affect Your Score

When you check your credit score yourself you are not harming your score. The only time your score can be affected by checking your credit is when you authorize a lender or bank to perform a hard inquiry. Multiple hard inquiries can lower your FICO score.

Examples of Hard Inquiries

• Applying for a mortgage loan
• Getting a credit card
• Applying for an auto loan

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Most recent revision September 24, 2022 03:00:49 PM

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