Free Credit Repair Tips e-Book (+ Get Your Free Credit Score – No Credit Card Required!)

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If your credit is not the best and you’re looking for a few tips on how to start repairing it, you may want to head on over to to download a FREE copy of 10 Credit Repair Tips by Scott Thomas for your Kindle ($2.99 value). Remember, even if you don’t have a Kindle, you can still read books on your computer or other mobile devices with the FREE Kindle Reading Apps found here.

And, on another note… for a limited time, you can head over to Credit Sesame to get your credit score for FREE! Yep, no strings attached! Credit Sesame is a 100% FREE personal finance credit and debt management tool with NO credit card required or trial period. Credit Sesame will give you an instant view of your credit, including your Experian credit score (refreshed monthly).

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Comments 16

  1. Becky Long

    Well, it told me I had no score and no credit history. Not a fan of CreditSesame!

  2. Deb

    for a free credit report, go to This is the true site everyone in the US can obtain a free, no strings attached, credit report.
    There are a total of 3 agencies that hold your credit info-they all vary with their individual scores of your creditworthiness.
    Try also CreditKarma for your score too. All valuable free tools to monitor your credit, as well as obtain great credit tips!

  3. Kathy

    But I thought if you checked your score your points drop if you do it often!

    • IndyMom

      If you (or anyone) checks your credit often then it looks like you’re needing to borrow and your score goes down; however, CreditSesame, Quizzle, and CreditKarma are doing “soft checks” on your credit which means it’s YOU doing it and not an outside agent (American Express, Citibank, Bank of America). If an outside agent (like anyone your looking to borrow from.. ie credit card, credit line, or an outside site that you pay a fee to) checks then it gets reported as a “hard check” and shows up on your report and lowers your score. “Soft Checks” are checks that you are doing and only show up on your report as visable to you, NO ONE ELSE! And they aren’t visable to creditor and don’t lower your score! HOPE THIS HELPS! These credit sites are sooo helpfull and shouldn’t be feared! They really do help you see if your on the right path!

  4. laraine

    This was helpful. I just wanted my score but ended up seeing a loan I can tell my bank about. Thanks, Colin

  5. T.S.

    Is this legit? Are these accurate credit scores? Does it hurt your credit to check through here?

  6. Steven

    Thanks for the great tips. I used both tips. Download the book and got CreditSesame too. CreditSesame is excellent. My score was up-to-date…more so than with CreditKarma. And help me find good credit to rebuild my credits.Two thumbs up for Hip2Save and its helpful tips. Glad I discovered your site!

  7. T.S.

    Is this credit score accurate?? Mine surprised me…didn’t expect it to be that good I hope it’s true!

  8. IndyMom

    I just wanted to throw it out there that this score IS NOT YOUR FICO score! If the number seems higher than you thought; don’t get your hopes up because its not the FICO that most banks will use. HOWEVER, these sites DO help us evaluate and peek in on our accounts listed on our reports and give a good estimate of how we’re doing. These sites are an awesome tool for anyone wanting to get their credit in shape as they give you a chance to see what you’re doing wrong and correct it and as you gain points with them… you’re probably gaining points on your FICO too!

    • T.S.

      I figured that! But they do say the get the credit score from Experian so I assume it has to be fairly close….could be wrong though.

      • IndyMom

        FICO -> Fair Isaac Company pulls your reports from all three companies and then has their own unknown formula to give you a score based on all three companies reports. Not all people you owe will report your debt to all three companies so each company will have different reports of you… whatever your report says from each, FICO averages together to get your score.

        The 3 companies aren’t happy that FICO has dominated the “credit report/score” industry so they have each come up with their own scoring models and are giving them for free now through sites like this. BUT their scores still are not accepted by most banks, sadly. Hope this helps!

  9. IndyMom

    This only looks at your Experian report and gives you the number that Experian thinks you deserve. FICO looks at all three (Experian, Equifax, Transunion) and has a different math formula for figuring out your score than do these individual companies. FICO also has a different scale ( Equifax might make the scale go from 1-100 where 90 and up is an “A” for example, where as a FICO of 90 is unimaginable and horrible.) each company has the right to make their own formulas and scales and it’s only the FICO that truely matters.

    • T.S.

      I knew I shouldn’t have gotten excited! I told me husband that score was too good to be true and he told me I was always negative! I was right as usual! LOL!

      • IndyMom

        The score is still important though because it’s what Experian thinks of you and Experian is 1/3 of your score. If your score on this site says (for example) that you are in the “fair” range and then you go to and get your Transunion “score” and it says you are in the Fair range….. most likely you are doing pretty fair on your credit rating with FICO as that’s 2 of the 3 that are happy with you.
        Keep in mind they may have a different mathmatical formula for you…. But if 2/3 comapnies think you’re pretty “fair” then most likly Fair Isaac Company will too! 🙂

  10. IndyMom

    I also wanted to add that (not trying to take over here) That only gives you your credit report and not your score AND you can only do it once per year. The only way to get your FICO score (the important score combined from all 3 companies) is, I believe, paying for it. You can go to and see how your Transunion report is doing and update your score daily to see how things are dropping off and adding to your score/report or vice-versa. You can go to Quizle and see your Experian and get a score of how your doing with them and update every 6 months, and it’s also free. And then Credit Sesame also does Experian. Honestly, I’m thinking most companies look at your FICO Score (which you pay for) or your Equifax report. Equifax does not have any free sites. BUT you can pretty much tell where your credit stands by checking these other websites! Hope this helps 🙂

  11. Gil

    Bottom line here is-you need to be monitoring your credit on a regular basis. Period.
    And if you plan on purchasing a home in the near future, you should begin taking a hard look at your 3 credit reports at least 6 months before you apply for your mortgage. This will give you ample time to dispute and resolve any items you might uncover on these reports and have them removed. You want pristine credit as you go into the home buying process, or your best rate on a car loan for that matter.
    And for goodness sake folks, DON’T walk into a new car showroom and take the dealers financing! Prearrange your car loan BEFORE you walk thru those doors.(Think credit union for your lowest rate) The ONLY exception would be if you know the dealership is featuring 0% financing on the specific model car you’re getting. Otherwise, you want the assurance your car loan is already secured so no monkey business with the man behind the curtain.
    If you’ve got the funds to purchase a new car, you also should have credit in the upper 700’s to get that O% financing as well.

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