Its 2012! Heres another step to a financial check-up. You probably know about AnnualCreditReport.com for free credit reports. But what about your credit score? If you want some relative comparison of your creditworthiness, here is a compilation of five different ways to grab that credit score for free without the hassle of annoying trial offers. I repeat: No free trial membership required, no credit card number required, nothing to cancel.
Remember, everyone has three credit scores, one from each of the three major credit bureaus: Experian, Equifax, TransUnion.
Credit Sesame
Every month, can offer you a credit score based on your Experian credit report. They also offer tips to improve your score and qualify for a mortgage. Heres a screenshot of my current credit score.
CreditKarma
Equifax Credit Score Card
The comes directly from Equifax and provides a free credit score range of Low (280-559), Below Average (560-659), Average (660-724), Above Average (725-759), and High (760-850). Its called the Equifax Risk Score. FICO has a range of 300-850, and this range is 280-850 so you dont really have to do any scaling. It doesnt provide any specific data from your Equifax credit report, but it does include a short summary of any negative factors that you may have on your report.
Prosper Person-to-Person Lending
LendingClub Person-to-Person Lending
Similar to Prosper, if you start an application to become a borrower at they will check your credit on your behalf to find out what rate they will charge you. Instead of a numerical score, you will get a grade like A2 or B3. Then you can use the table below to determine your credit score range. For example, A2 would indicate a score range of 747-769. It is also based on your TransUnion credit report.
You will need to provide your personal information and Social Security number to these companies, naturally, so be comfortable with that. None of these methods by themselves will affect your credit score as you are requesting them for yourself.
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