Your credit score is a three-digit rating that helps lenders, credit-card issuers and others determine if your creditworthiness. It is calculated based on your payment history, how much you have borrowed, the types of credit you have had and the average age of your credit-card accounts. While you can get a credit report for free from credit bureaus once annually, you typically must pay for an official credit report. Several websites offer some level of access to your credit score.
Credit Karma
Credit Karma gives you daily access to your credit score. Credit Karma is supported by ads and does not require you to put credit-card information on file. It only asks for date required to pull your credit report. In addition to offering daily access to your credit score, Credit Karma provides a credit report card and tips for improving your credit score.
Quizzle
Quizzle offers free access to your credit report and score. The score and report are updated every six months. No credit-card or personal information needs to go on file, and you provide only data required to pull your credit report. Quizzle also offers advice and tips to help you understand what is in your credit score and how to improve it.
Introductory Trials
Experian, Transunion.com and Equifax.com offer free access to your credit score. However, these require you to enroll in free trials of various identity protecting/monitoring programs. You are required to provide your credit-card information and if you do not cancel within the trial period, you may be obligated for monthly payments for a year for enrollment in the service. Many banks and credit-card companies also offer free trials of credit-monitoring services that provide access to your credit score but enroll you in programs with annual commitments if you do not cancel within a stated period.
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