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п»їHow to Get Your Real Credit Score (Without Having to Pay for It)
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How to Get Your Real Credit Score (Without Having to Pay for It)
In This Article.
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In This Article.
Not a day goes by that we don’t get questions about credit scores. Sometimes it’s as simple as someone wondering where to find their credit score, other times it’s a momentary freak out when a reader looks at Credit Karma and sees their score has dropped.
To prevent these freakouts and make it easier for you to find your credit score, we’re going to discuss where you can find your credit score. Not an estimated FICO score, but your actual FICO score. This is what you really need to know.
Does Credit Karma Actually Provide Your FICO Credit Score?
Let’s just get this out of the way now: NO.
It seems to be very sensitive to credit utilization, which is what causes such anguish for readers who rely on Credit Karma. They see a huge drop and, understandably, are not pleased.
It is because of situations like this that we felt it was necessary to address Credit Karma.
Now, that does not mean Credit Karma isn’t a useful for a miles and points connoisseur like you. Credit Karma is a big help if you want to see credit card inquiries on your Equifax and TransUnion reports. Additionally, you can see what open accounts you have reporting to each credit bureau.
This can be particularly helpful if you are unsure of your 5/24 status with Chase.
Get Your Actual FICO Score.
There are several free ways to get your actual FICO score from each of the three credit bureaus: Experian, Equifax, and TransUnion.
Let’s start with Experian, as you don’t even need a credit card to get your FICO score from Discover through their Free Credit Scorecard. The scorecard provides your true Experian FICO credit score as well as a bunch of other great information including: total accounts, length of credit, inquiries, utilization, and missed payments.
Credit Cards That Provide a Free FICO Credit Score.
Many banks will provide a free FICO credit score just for being a cardholder. However, they provide your score from different bureaus so we’ll review which bank provides which bureau’s FICO score.
With so many free sources of FICO credit scores, paying for your credit score is NOT necessary. For those who have been earning miles and points through credit cards for awhile, you probably have several ways to access your FICO scores from all three bureaus.
If you have been keeping track of which credit bureau is used to provide your FICO score when you apply for a new credit card, you’ve probably seen a lot of Experian.
Experian seems to be the mostly commonly used (though, it can vary) followed by Equifax. TransUnion is rarely pulled during credit card applications, but is commonly pulled when applying for a Barclaycard or Capital One card.
What About All The Sites Offering A Free “Credit Score”?!
Understandably, this is one of the most confusing parts about making sure you get an accurate credit score. Tons of sites offer free credit reports and “credit scores” without letting you know they are providing what we often call a FAKO score.
Someone clever came up with FAKO as a way to combine “FICO” and “fake”. Genius!
When considering whether to apply for a new credit card, you need to know your FICO credit score. That’s it. Not a score that is close to a FICO score, but your actual FICO score.
Have I said that enough yet?
If you look at Credit Karma, Credit Sesame, and Quizzle all provide FAKO scores. While they help with monitoring your credit reports, they are not accurate sources for your FICO credit score.
How To Start Monitoring Your Credit Score.
Now that you know where to find your FICO credit score and how to avoid places that provide FAKO scores (and cause unnecessary heartburn), let’s talk about how to move forward.
Knowing where you stand with each credit bureau will make credit card applications less stressful, so you’ll want see how you can access all of them.
The easiest starting point is to sign up for Discover’s Free Credit Scorecard. It’s free and will give you your Experian FICO credit score plus several other important pieces of info on your Experian credit report.
You can also access your Experian FICO score if you have an American Express (personal) credit card, but it won’t provide as much info. Additionally, you don’t even need a credit card to access your score this way. This makes it THE place to go for your score if you’re just starting to consider a credit card.
Once you have set up your Free Credit Scorecard, you can sign up with Credit Karma to monitor you Equifax and TransUnion credit reports. IMPORTANT: This does not mean you should rely on the FAKO score they provide. Take the good that Credit Karma provides for monitoring your credit report and forget the FAKO score.
As you move forward and open cards with Citi and Bank of America (and Barclaycard), you will gain access to your Equifax and TransUnion scores, respectively. These are not vital at the beginning of your journey as Experian is the credit bureau most commonly used by banks for credit card applications.
Bottom Line.
Like everything in the miles and points world, preparation not only leads to fun travel but also prevents a lot of stress. If you follow the steps above, you can accomplish both.
Fluctuations in credit scores are normal. When you apply for a new credit card, you can expect a small dip that will but also be confident in the fact that your score will recover (and often increase) with responsible credit use.
And, finally, ignore that FAKO score that is causing you so much stress!
Bonus.
Now that you know how to check your credit score, make sure you understand how it is calculated by reading our simple guide. This will help you feel confident on your miles and points journey.
If, once you have checked your credit score, you realize it’s not where it needs to be, see if Bryce’s credit repair book can help you.
See you in the sky,
Chase Sapphire Preferred Card.
New to the world of points and miles? The Chase Sapphire Preferred is the best card to start with. With a bonus of 60,000 points after $4,000 spend in the first 3 months and 2x points on dining and travel, this card truly cannot be beat!
Editors Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Advertiser Disclosure.
Editors Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.


Where can I get my credit score?
You actually have more than one credit score. Credit scores are calculated based on the information in your credit reports. If the information about you in the credit reports of the three large consumer reporting companies is different, your credit score from each of the companies will be different. Lenders also use slightly different credit scores for different types of loans.
There are four main ways to get a credit score:
Check your credit card or other loan statement. Many major credit card companies and some auto loan companies have begun to provide credit scores for all their customers on a monthly basis. The score is usually listed on your monthly statement, or can be found by logging in to your account online.
Talk to a non-profit counselor. Non-profit credit counselors and HUD-approved housing counselors can often provide you with a free credit report and score and help you review them.
Use a credit score service. Many services and websites advertise a “free credit score.” Some sites may be funded through advertising and not charge a fee. Other sites may require that you sign up for a credit monitoring service with a monthly subscription fee in order to get your “free” score. These services are often advertised as “free” trials, but if you don’t cancel within the specified period (often as short as one week), you could be on the hook for a monthly fee. Before you sign up to try one of these services, be sure you know what you are signing up for and how much it really costs.
. Other services may also offer scores for purchase. If you decide to purchase a credit score, you are not required to purchase credit protection, identity theft monitoring, or other services that may be offered at the same time.
Some credit score sources provide an "educational" credit score, instead of a score that a lender would use. The CFPB published a report on the differences between educational scores and those used by lenders.
. For most people, an educational score will be close to the scores lenders use and can be helpful for consumers. But the scores can be quite different for some. Our report found a meaningful difference for one out of four people. When choosing where to get your credit score, find out what kind of score it is.
. Your credit scores are calculated based on the information in your credit reports. If there are errors on your credit reports, they can reduce your scores unnecessarily.


How to Check Your Credit Score Without Paying.
6 Tips to Save Using the Most Popular Food Delivery Apps.
It’s good to know your credit score. Lenders check your score each time you ask for a line of credit. The higher your score, the more likely you are of being approved for credit. Check your credit score regularly. Over time, you can track whether your score is improving. If it’s falling you can take steps to rectify it. Most credit reporting bureaus charge to access your credit score but it is possible to check your credit score from all three credit reporting bureaus without paying.
Apply online to TransUnion to check your credit score without paying. The process is fast. You get to see your credit score from TransUnion, Equifax and Experian by taking a 30-day free trial.
Remember to cancel your subscription during the 30-day trial unless you want to start paying. The monthly cost is $14.95 (as of 2010). Check your scores for errors. Report errors to the credit report bureau (see Resources).


How Can I Check Credit Scores?
Reading time: 2 minutes.
Highlights:
Credit reports from the three nationwide credit bureaus do not usually contain credit scores.
You may be able to get a credit score from your credit card company, financial institution or loan statement.
You can also use a credit score service or free credit scoring site.
Many people think if you check your credit reports from the three nationwide credit bureaus, you’ll see credit scores as well. But that’s not the case: credit reports from the three nationwide credit bureaus do not usually contain credit scores. Before we talk about where you can get credit scores, there are a few things to know about credit scores, themselves.
One of the first things to know is that you don’t have only one credit score. Credit scores are designed to represent your credit risk, or the likelihood you will pay your bills on time. Credit scores are calculated based on a method using the content of your credit reports.
Score providers, such as the three nationwide credit bureaus -- Equifax, Experian and TransUnion -- and companies like FICO use different types of credit scoring models and may use different information to calculate credit scores. Credit scores provided by the three nationwide credit bureaus will also vary because some lenders may report information to all three, two or one, or none at all. And lenders and creditors may use additional information, other than credit scores, to decide whether to grant you credit.
So how can you get credit scores? Here are a few ways:
Check your credit card, financial institution or loan statement. Many credit card companies, banks and loan companies have started providing credit scores for their customers. It may be on your statement, or you can access it online by logging into your account. Purchase credit scores directly from one of the three major credit bureaus or other provider, such as FICO. Use a credit score service or free credit scoring site. Some sites provide a free credit score to users. Others may provide credit scores to credit monitoring customers paying a monthly subscription fee.
In addition to checking your credit scores, it’s a good idea to regularly check your credit reports to ensure that the information is accurate and complete.
If you find information you believe is inaccurate or incomplete on your credit reports, contact the lender or creditor. You can also file a dispute with the credit bureau that provided the report. At Equifax, you can create a myEquifax account to file a dispute. Visit our dispute page to learn other ways you can submit a dispute.


How to check your credit score for free without penalty.
It's a myth that checking your own credit score will affect it. ( iStock )
Any time you apply for a loan, credit card or even some bank accounts, the resulting credit check can hurt your overall credit score. But the myth that checking your credit rate or report does the same is just that: a myth.
Continue Reading Below.
To better understand how the process works, it’s important to know the difference between a soft and hard inquiry.
What is a soft inquiry?
Soft inquiries occur in a few different ways:
The most important thing to know about soft inquiries is that they’ll never impact your credit score. This is because they don’t represent an action that could impact your ability to pay your debts, which is what credit scoring companies like FICO are trying to predict.
It's a myth that checking your own credit score will affect it. (iStock)
And while soft inquiries do show up on your credit report, typically only you can see them.
What is a hard inquiry?
Lenders make hard inquiries when you apply for credit. Because taking on new debt could affect your ability in the future to repay what you owe, each new hard inquiry can hurt your credit rate, which provides a snapshot of your overall credit health.
The good news is that for most people, an additional hard inquiry will knock fewer than five points off your credit score, according to FICO. Also, while hard inquiries remain on your credit report for two years, they only influence your FICO credit score for one year.
Also, a new hard inquiry may not matter as much if you have a high credit score.
How to avoid affecting your credit rate with inquiries.
Running a credit report or credit score check on yourself won’t affect your credit, and it can be useful in spotting potential fraud and maintaining a healthy credit history.
But applying for credit and having a hard inquiry on your credit report can do some damage. If you’re worried about your credit score, here are some tips to avoid taking a big hit:
Apply for credit only when you need it: Because hard inquiries influence your FICO credit score for only 12 months, avoid applying for loans or credit cards unless you actually need one. Space out credit card applications: Whether you’ve been approved or denied a credit card, avoid applying for another one too quickly. Multiple hard inquiries can have a compounding effect on your credit score. You can rate shop: If you’re applying for a mortgage, auto or student loan, multiple applications within a short period—typically between 14 and 45 days—are usually combined into one for credit scoring purposes. Always read the fine print: While some lenders allow you to get prequalified before you submit an application, not all do. Read the fine print before you submit any information to a lender to find out what type of inquiry it will perform.




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