How to Get Free Credit Score with No Credit Card

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Do you want to know your credit score but are not sure where to look? Here, I will walk you through the three main ways you can check your scores for FREE and explain the different types of scores. Whether you plan to borrow money or not, your credit scores are important, and you should know where you stand. Luckily, you can check them for FREE without giving away your credit card information — that’s right…no credit card needed.

How to Get Free Credit Score with No Credit Card 2

There are three main ways that you can check your credit score for free:

  1. Free Credit Score Sites – Several specialized sites give you access to your score for free, with no credit card required. These sites include Credit Sesame and Credit Karma, etc. See the next section below.
  2. Financial Institutions – Some banks, credit card companies, and the lender will also provide you with a free credit score. Peer-to-peer lending sites like Prosper and Lending Club give you access to your credit rating if you apply to become a borrower. You can also access your credit score whenever you apply for a loan.
  3. Credit Monitoring Service Trials – Many credit monitoring services offer a free trial. As part of the trial, you can experience their services, including instant access to your credit reports and scores. Generally, I don’t recommend this because too many people fail to read the fine print and ended up paying something in the process.

Check Your Credit Scores for Free

If you don’t know your credit scores yet, you can use some of the sites listed below to gain access to your credit scores.

EquifaxFREE from Credit Karma
ExperianFREE from Credit.com
TransUnionFREE from Credit Karma and Credit Sesame
FICO® Score
  • There is currently no option for a free FICO® score. You can get your score directly from myFICO for $15.96, or use their Free Credit Scores Estimator Tool.
  • You can get a free FICO® Score from some financial institutions, e.g., as a Wells Fargo customer or a Citi® credit cardmember.


In addition to the methods outlined above, you can gain access to your credit scores when you apply for a loan. While the information is free, accessing your scores this way will show up as a hard pull credit inquiry that slightly hurts your scores. Also, I do not recommend applying for a loan just to see your scores.

  • Personal Loan – If you take out a personal loan, e.g., become a borrower on LendingClub or Prosper, you will gain access to credit rating information.
  • Car Loan – When you finance the purchase of your new or used car, the loan officer will pull your credit scores to determine your creditworthiness, as well as to determine what sort of deal you are eligible for. Whether you are approved or rejected, you have the right to know the scores pulled by the lender, so feel free to ask for the information.
  • Home Loan – When you pre-qualify for a loan or apply for a loan (a mortgage or refinancing), the lender will pull your credit scores (usually from all three credit reporting agencies). Again, you can request this information and see your credit ratings.

If you don’t know your scores yet, give one of these sites a try.

Frequently Asked Questions

How can I check my credit score without affecting it?

Free Credit Score from Credit Karma and Credit Sesame are considered soft pulls. Soft pulls don’t lower your credit score, so you are safe to review your credit score through these two sites at any time.

What is the best site to get a free credit report?

AnnualCreditReport.com is by far the best place to get your free credit reports. You can get one free full credit report from each of the three major reporting agencies (i.e., TransUnion, Equifax, and Experian) per year.

Why can’t I get my credit scores from AnnualCreditReport.com?

While AnnualCreditReport.com is excellent for getting your free credit reports, you CANNOT get free credit scores from them. If you do want to get credit scores from them, you with have to pay a nominal fee.

Should I check my credit score?

Absolutely. It is a best practice to check your credit scores regularly. Some services will also provide you with free alerts and send you an email whenever there is a change in your credit. I recommend that you check your scores at least once a month, and your reports every four months.

What credit scores will I get with these services?

Each agency provides its own version of a credit score. Read carefully about each service and the score(s) they provide. In my experience, free resources are equally good; I found negligible differences among them.

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6 years ago

Hey, you guys should add WalletHub to the TransUnion thing as well. It’s free like Karma, but it updates way faster, and in my opinion looks totally better.

Caesar F
Caesar F
11 years ago

Does it lower your credit score when you check it out at the sites you mentioned? I hear whenever your score gets checked it drops a certain amount of points.

10 years ago

I feel a person should be given his or her credit score at least once a year just for the asking. there should be no trial for purchase at the end of a certain amount of time. I ask for my score, I get it … it is over and done .. ended. But it does not work that way they always look for the cash. Most people forget the trial period and they get hit with a price. I in the past have had my credit sent to me from the above companies. They do a good job but… Read more »

Thomas J Boarts
Thomas J Boarts
10 years ago

thank you

Kerrie Kail
Kerrie Kail
9 years ago

Just advising you that Credit Karma now gives you your Equifax score and report along with the Trans Union. Thanks

Jarvis Kapinsky
Jarvis Kapinsky
7 years ago

WalletHub also gives you TransUnion, and it’s also free, with a soft pull.

How to Get Free Credit Score with No Credit Card

by Pinyo Bhulipongsanon time to read: 3 min
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