Get a Free Credit Score (No Credit Card Required)

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Making a big purchase soon?

The information found on your credit report can greatly affect big decisions in your life – like the job you’ll get, the home you’ll live in, how much money you can borrow, and how much interest you’ll pay.

If you’d like to get an update on your credit score and report, just head on over to Credit Sesame to get started – it takes just a few minutes. Credit Sesame is a 100% FREE personal finance credit, debt management, and credit monitoring tool with NO trial period. 📌

NO credit card is required to get your score!

Scrabble tiles that read "Credit"Contrary to the myth, pulling your own report will not hurt your credit. When you check your credit score for FREE with Credit Sesame, it makes no impact on your credit score since it is a soft credit check, not a hard credit check. You can even do a FREE credit check online as many times as you’d like (at a cost if done more than once monthly) and it will not affect your credit standing!

Credit Sesame will also send you daily monitoring alerts about changes to your credit report and offers $50,000 in identity theft insurance along with fraud resolution assistance. Sweet!

Credit report finding example

Reasons you should check your credit score annually:

  1. It’s free (head to Credit Sesame to get started)!
  2. It can help you detect and dispute errors.
  3. Your credit may be affected by others’ mistakes.
  4. You might stop identity theft and credit card fraud early on.
  5. You’ll save money by being proactive about your credit.

Up Next: Double your dollars in 2019 with these tips!

Join The Discussion

Comments 11

  1. Shedding light

    You can also check your credit report for free using . They are authorized by federal law.
    You can get all 3 free by only selecting one right now, then in 4 months go back and check your credit with a different agency, then 4 months after that, the final one. Ex. For Jan, only select trans union. In May, go back select only Experian. In September choose Equifax.

    So essentially, you’d Have seen each of your 3 credit reports free for the year. Many people check all 3 one time, but to be more effective checking one at a time then working out any discrepancies may be a better option. Usually the same things appear on each report. Anything you’ve disputed, or waiting to fall off, would probably be updated on the subsequent checks. In essence you can use one report to check against another in a few months, you give you a better idea of what’s on your reports.

    Hope all of that makes sense. 🤗 I learned that strategy from a customer when I used to work from home for a big box electronics company. And I’ve applied it ever since.

    P.S. If you are ever denied credit or a bank account, etc, you can also get a free credit report at that time.

    • Bbbsarah24 does not give your credit score for free only your report

      • Shedding light

        My comment mentioned nothing about the credit score… only obtaining ones credit report.

        Perhaps you were just trying to clarify for others, if so, thank you.

    • Sara

      Not every credit card issuer reports to all three bureaus. I know Capital One reports to all three. I had a mortgage from a small local bank that only reported to Equifax and TransUnion because Experian was too expensive. My Stafford loans were reported to all three bureaus, but my Perkins loans were only reported to Equifax because LSU had an exclusive partnership with them.

      You are also entitled to an additional free report from each bureau within 60 days of placing a fraud alert on your report. Make sure each bureau has your most recent address or you won’t get that report. I was affected by the Anthem hack, so in 2015 I requested credit reports by phone from all three bureaus shortly before those 60 days were up. I only got one (either Equifax or TransUnion). I found out in 2016 that Experian had an address that I hadn’t lived at since January 2013. The last activity on my Experian report was from when I paid off my Stafford loans in July 2011.

  2. Joanne

    It only gave the the score for free. fee of $10 – $16 for report. sorry I wasted my time.

    • Amber (Hip2Save Sidekick)

      Hi there! While it does not give you an official report from the credit bureau without paying a small fee, it does give you a look at your credit analysis, credit usage, payment history, credit age, account mix, credit inquiries, debt analysis, etc. Hope that helps!

  3. SM

    So where’s the best place to get your FREE credit score & report?

    • Shedding light

      I think you’ll have to combine different resources to achieve what you’re asking.

      Credit report: annualcreditreport.Com

      Other credit sites that offer freebies:

      Good luck! You’re on the right path by being proactive.

    • Sara

      Your bank or credit card might give a free score and/or report.

      I didn’t put much stock in it at first because it was comically off, but Capital One provides a supposedly weekly TransUnion Vantage 3.0 score through their CreditWise service. The score updates once a month or if there is a major change to your report (hard credit check, increased credit limit, etc). The score it gives now is finally closer to my actual score. It also shows open and closed accounts, negative information, accounts with ongoing disputes, public records, personal information you supplied to lenders, on-time payment percentage, age of oldest account, percent of credit used, recent inquiries, new accounts, and available credit across all accounts. CreditWise is built into their app, but it is also available as a separate app for everyone else.

      My mom’s Discover card comes with a free FICO score each month.

  4. Ashley

    I just had to freeze my credit report this morning had so many account inquiries that weren’t mine. I’m glad I had USAA monitoring alerts set up.

  5. Nanette

    Just an fyi this will not give you your exact score. There’s about 100 point difference between Credit Sesame and my actual credit report score….I just bought a car and the Nissan dealership gave me everything and my score was better than the “free” scores were. Credit Sesame and other “free” credit reports use a different scoring system.

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