So you're wondering where can you get your free credit score? In the last few years, so much has changed and accessing free credit scores have become easier. For example, many banks, credit card companies, and financial services apps are offering people access to free credit scores.
Here is my list of the best free credit score apps. You can use these apps without impact to your credit score and they are free–meaning you're not going to be required to input a credit card. All these apps require you to verify your identity.
Additionally, these apps do more than just offer free credit scores. These apps offer a wide range of free services such as credit report monitoring and identity theft insurance.
Which one should you use? You can use them all, if you so desire, and check how your scores differ.
Best Free Score with Identity Theft Insurance: CREDIT SESAME
The Credit Sesame app monitors your credit report and gives you a free credit score. When they say free, they absolutely mean it. There is no free trial period with a membership fee afterward, and there’s no need to enter a credit card; the app is 100% free.
Credit Sesame uses TransUnion (VantageScore) to show you what’s impacting your credit score. The app will show if you are overpaying on your loans and credit cards, and how your financial picture compares to your peers. As part of the service, they show you personalized, objective savings recommendations on home loans, credit cards, auto loans and more.
Along with a free credit score, you'll get free identity theft protection up to $50,000 too. Read the complete Credit Sesame review.Get Your Free TransUnion VantageScore
Best 2-for-1 Free Credit Scores: CREDIT KARMA
Credit Karma is a free and legitimate service providing you a credit score and user-friendly way to view information on your credit report. With Credit Karma, there’s no credit card required to get free credit scores from Equifax and TransUnion. Additionally, they offer free credit report and credit monitoring to users of the app.
The Credit Karma app will show you what factors are impacting your scores to help you understand your report. They will offer you recommendations from their advertising partners which might be able to help you save. Read the complete Credit Karma review.Get Your Free TransUnion and Equifax Scores
My Smile Summary: Try these Free Credit Score Apps and Monitor Your Credit
Are these free credit scores legit? Well, for the most part, they are legitimate scores. The truth is that you have many credit scores. And regardless of the algorithm used to generate your credit score the information used is from your credit report. Have negative or inaccurate information on your credit report? Chances are your scores, regardless of who created them, will be in the low or poor range.
The most famous credit score type is called the FICO score. The company that created the score has become “the word” when it comes to credit scores. But, the most important part of knowing your credit score is understanding where you fall within the credit score range. You can learn more about credit reports and scores with our resource guide. It's comprehensive covering where you can get your free credit report to tips in helping you improve your credit score.
How do these companies make money? They offer you products and services that meet your credit situation. They are compensated by those companies along with any advertising you may see within the app.
Are these companies safe? I've reviewed them extensively and have used these apps for few years with no issues. In order for these companies to operate in this space, they need to adhere to strict identity protection procedures and offer bank-level security.
Check our marketplace for other apps not mentioned.