Comments on: How and Where to Get Free Credit Scores

By: Pinyo

Pinyo — Wed, 30 Nov 2011 14:49:46 +0000

@Cherleen – Why don’t you try Credit Sesame? I wouldn’t get a loan or apply for one just to get my credit scores.

By: Cherleen

Cherleen — Wed, 30 Nov 2011 07:43:38 +0000

Nice tips… I guess I will apply for a car loan even if I don’t have any intention of getting one. I just want to see my credit score. LOL.

By: Bethy

Bethy — Tue, 29 Nov 2011 17:55:35 +0000

This is a great comprehensive overview, Pinyo. Thanks for including Credit Karma and clearing up any misunderstandings. Credit Karma will never ask for your credit card information; our services will always be free.

By: Bernz

Bernz — Mon, 29 Aug 2011 18:32:13 +0000

I remember a conversation from a senior retiree about 69 years old friend of our family. With the recent housing mess, his mortgage is more than what his home is worth. I asked him what’s his plan. His reply: “to heck with my credit score. I’m walking away, the last thing I would worry about is my credit scores at my age.”

By: Pinyo

Pinyo — Sun, 29 May 2011 15:15:45 +0000

Derrick, AnnualCreditReport.com is great for getting free credit report from each of the three credit agencies, but you cannot get free credit score from them.

By: Derrick

Derrick — Sat, 28 May 2011 23:05:24 +0000

I’ve always preferred annualcreditreport.com I think its a government site for credit reports, isn’t it?

By: Gary

Gary — Sat, 30 Apr 2011 18:05:14 +0000

Thank you for this very helpful site. I am especially impressed with Credit Karma.

By: Pinyo

Pinyo — Fri, 22 Apr 2011 12:48:00 +0000

@lele – Quizzle provides Experian consumer score and Credit Karma provides TransUnion consumer score (plus their the new VantageScore). You are correct that these are not the exact numbers that your lenders see; however, these score should give you a good approximation of how good your score is. I compared my consumer scores against the one my mortgage lender used and they were within 50 points of each other.

By: lele

lele — Fri, 22 Apr 2011 04:26:51 +0000

I read that the scores that experian gives are not the scores lenders see and make decisions off of. I’m afraid Quizzle and Credit Karma is providing the “experian plus” score which is only an estimate of what your actual score may be. Is this true?

By: Pinyo

Pinyo — Wed, 20 Apr 2011 02:56:46 +0000

@kong — I only look at it about once every 3 months. The scores aren’t that important until you’re getting close to making major financial moves, e.g., taking out a mortgage.

@mark000 and louiszinsky — You may want to give Quizzle and Credit Karma a try. No cost and no credit card needed (as far as I can recall).