Obtaining a free credit score without a credit card can be tricky, with hidden fees and gimmicks hiding behind many supposedly free advertisements. However, there are a few legitimate places to check out your credit score—for free, regardless whether you have a credit card or not.

• Free credit score without a credit card – possible through banks or free-trial offers

A few banks and credit unions release credit scores for free. While most Unites States banks do not, it is work a call to check.
Free credit score without a credit card
One way to get your free credit score without a credit card is through the free trials many sites offer. However, you must cancel your trial period before it ends or you will be receiving a bill for service charges. Be sure to read the fine print and double check with the free trial is up. Some last only a week, while others last a month.

• Free websites where you can get a free credit score without a credit card

Credit Karma, Quizzle, and Credit Sesame are all websites which provide free credit scores without a credit card.

Credit Karma gives you the credit score TransUnion does. Credit Karma is completely free, with no hidden, monthly fees to worry about. They make their money through on-site advertisements and additional offers you can sign up for on their site. However, you are not obligated to do so.

Quizzle and Credit Sesame give you the credit score Experian creates. Quizzle is free, as well, with no hidden gimmicks. It does not even ask for your Social Security Number. Credit Sesame is the same, requiring no credit card to learn your score. It earns money from a bank if you choose a loan through Credit Sesame, but to get your credit score, you have no charges to shell out.

The only way to get your Equifax score for free is through Credit.com, where you can sign up for a free thirty-day trial. Unless you want to continue using the service, you need to be sure to cancel it before your trial ends and you are charged.

• Credit score through the three main websites

Of course, you can go to each website for Equifax, TransUnion, and Experian and purchase a credit score without a credit card. Each is just under sixteen dollars, and you will be getting the official FICO scores. With the free sites mentioned above, the credit scores are not FICO scores. Because Fair Isaac owns the complex formula to find exact credit scores, other companies cannot use their formula. However, sites such as Credit Karma get their free credit scores without credit cards through other major sources which have credit information.

While FICO scores are the scores which lenders check, rather than other scores, the credit scores found from Quizzle, Credit Karma, and Credit Sesame have been found to be very accurate, often within fifty points. Having a close, ballpark figure of what your credit score is—and for free—is a great way to analyze your credit standing and to decide if now is a good time to make a big purchase or not. If you are really concerned about getting your exact FICO score, you can go to myFICO and pay a one-time fee for your credit score.

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