GO-TO WEBSITES TO GET FREE CREDIT REPORTS

Credit Karma

Credit Karma does not require credit card to check your credit reports. The scores come from Equifax and TransUnion, which use the VantageScore 3.0 system for assessing the creditworthiness of a person. The website can also track your TransUnion report, again for free. This document outlines significant details from your credit score, as well as various financial transactions and auto insurance rating.

Although they are not selling clients’ information to entities, Credit Karma provides recommendations about various financial products suitable for you. They earn money when you open an account or avail a service with one of their affiliates via their website.

Credit.com

For credit ratings which use Experian score and VantageScore 3.0, go to Credit.com. The reports are updated monthly. It also offers free credit report stating how your credit impacts your score and recommendations to improve your ranking. Even though they do not sell personal details, Credit.com generates income when their clients ascribe to any of the promotional ads on their site.

WalletHub

WalletHub asks your personal details and financial information, including the last four numbers of your Social Security to get your free credit score from TransUnion. In their site, you will find all your credit details. Their credit alert portion gives a report card-style letter rating on factors affecting your overall score.

There is also an easy-to-understand version of your credit rating, indicating all your previous and current accounts and negative items (if any). WalletHub shows details about different products and services like mortgages. They gain money from companies that place an advertisement on their site and pay premium placements.

Credit Sesame

The website do not ask for any details for you to obtain your monthly credit score. It does not give free credit report. However, it monitors your credit status and informs you in case of any changes in your score. The site also gives advice on saving money by analyzing your finances. Credit Sesame gains when you secure a loan with one of their partners.