I check up on my credit scores regularly and I don’t pay a dime.

No I’m not shilling for sites that have the word ‘free’ in the website address but need you to fork over your credit card to show you your credit score!

Here’s how I do it:

To get my TransUnion score, I use Credit Karma. Credit Karma is a free service that lets you check your TransUnion score. I posted a detailed review of Credit Karma in one of my earlier posts (includes screenshots). CreditKarma makes up for its ‘freeness’ with targeted advertisements, which are actually useful. The site is very professional and non-spammy. CreditKarma does not do a hard pull of your report.



To get my Equifax FICO score, I use DCU. DCU is an excellent credit union that I’ve been with for the past 10 years. Great service, good website and no hidden fees. Highly recommended. I only wish DCU offerred better rates. But other than that, DCU is awesome! DCU provides members free FICO score every month. Here’s a screenshot of my FICO score.

Update: If you are unable to join DCU, here’s another way to get your FICO score for free.



To get my Experian Advanced Risk Score 2.0, I use Alliant Credit Union. ACU is a good credit union with incredible rates. I’ve been with ACU only for a few months now. So far I like it. As good as DCU and with better rates. What’s there to complain! ACU provides quarterly credit scores.

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To get your credit report for free, goto AnnualCreditReport.com which the official site to get your credit reports. You can get only one report per year from each of the three bureaus. So stagger it so that you obtain one from each bureau every 4 months.

A combination of your credit scores and your credit reports at regular intervals will help you stay on track with your financial goals.

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