Get a Free Credit Score With No Credit Card or Subscription
Free Credit Score Without the Strings
It’s not hard to find a website promising a free credit score. It’s more difficult to find a website that gives you a truly free credit score without asking for your credit card number. Most free credit score websites have a gimmick where they lure you in with promises of a free credit score. But, to get that score, they require you to sign up for a trial subscription to a credit monitoring service. The catch is that you’re charged for the subscription if you don’t cancel within a certain amount of time, usually seven days.
You shouldn’t have to give up your credit card number for something that’s supposed to be free - and you don't have to. There are a few ways you can get a free credit score without entering your credit card number.
Sites With Free Credit Scores
is available to all consumers. You can signup even if you don't have a Capital One credit Score. You'll receive monthly updates of your VantageScore 3.0 based on your TransUnion credit report.
CreditKarma.com provides your free credit score based on your Equifax and TransUnion credit reports. They also add your VantageScore and insurance score, for no extra cost. While you may be asked for your social security number and other identifying information, you’re never asked to give your credit card number. Best of all, you can check your credit score everyday if you want.
CreditSesame.com’s goal is to hook you up with deals to lower your debt payments through refinance and low interest rate credit card options. Your free credit score is part of the deal and you don’t have to provide your credit card information to get it.
provides a free Credit Scorecard that includes your FICO score based on your Experian credit report information. The Scorecard updates every month and you don't have to be a Discover customer to enroll.
provides you with a free copy of your VantageScore 3 and updates your score monthly. You'll also be able to see the factors that affect your credit score.
Quizzle.com lets you view your Experian credit score and credit report for free, no credit card required. While you can access your free credit score and report through Quizzle at anytime, the two can only be updated every six months.
Required Credit Score Disclosure
You may know of the law requiring credit bureaus to give every consumer a copy of their free annual credit report. This law, unfortunately, doesn’t give consumers access to their credit scores. But, there’s another law that gives some consumers a free credit score, but only after making a credit-based application.
The new credit score disclosure law requires banks to give a free credit score to applicants who are either denied or approved with less favorable terms because of their credit. You don’t have to do anything to get this free credit score. It’s automatically sent based on the creditor’s decision.
Unfortunately, there are times when you won’t get this free credit score, even if you’re denied. For example, banks don’t have to send the credit score disclosure when they use an in-house credit score and insurance companies aren’t required to disclose the credit-based score used to assign your insurance premium.
Not a FICO Score
With the exception of the Discover Credit Scorecard, the drawback to free credit scores is that the scores likely won’t be a FICO score, the score that’s most often used by lenders. Credit Karma, Quizzle, and Credit Sesame all give you a credit bureau’s version of your credit score, i.e a FAKO score. These scores may vary from each other and typically vary from your FICO score even based on that bureau’s credit report.
You may get a free FICO score with a credit score disclosure, but that’s only if the bank used a FICO score in making their decision. Otherwise, you’ll get another score, but it will be the actual score the bank used, rather than an educational score.