How to Get a Free Credit Score Without a Credit Card
If you've ever tried to get your credit score for free, you know that there's no such thing as a truly free credit score. You're forced to enter your credit card information and sign up for a free trial of a service, just so you can forget to cancel and get charged for a service you don't want. Though you can get a free credit report easily with no credit card, only one website, Credit Karma, allows you to retrieve your credit score without providing any payment information.
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Instructions
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Log onto Credit Karma at creditkarma.com and click the "Get Started Now" button on the main page. Fill out the registration form, which requires you to enter your name and create a user name. You'll also have to verify your email address and enter your Social Security number.
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Enter your user name and password to sign into Credit Karma. Click on the "Score Center" tab just below the Credit Karma logo, then click on Update Score. You may be prompted to authorize Credit Karma to pull your credit file from TransUnion before you see your score.
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Take note of your credit score, which will appear on the next screen. Click on the links above your score history if you'd like to see your auto insurance credit score or your VantageScore, which is a different type of credit score than the traditional FICO score.
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Tips & Warnings
You can go back to Credit Karma as often as you want to see how your credit score changes over time. You can also take advantage of Credit Karma's credit simulator, which shows how certain actions, such as paying off all of your balances or allowing accounts to fall behind, affect your credit score.
Your Credit Karma score isn't identical to the scores you would receive from the various credit bureaus. This is because each credit bureau's scoring criteria and range is different. The only way to obtain your real FICO score is by signing up for a free trial, which requires you to enter your credit card information.
