I know I haven't mentioned it in a while, so it's about time we bring back every one's favorite TV commercial. F-R-E-E that spells free, credit report.com baby!!!! Well as we have discussed, this credit report company slightly stretches the truth. As we have discussed, there is a free trial period that is offered if an individual signs up for another product on the company's website. Although in theory it is free, you have to go through the trouble of signing up and then canceling the account before the free trial period is up. Love the commercials, not a fan of the trickery. However, during my week of feverishly researching topics, I did find a few ways that you can obtain your credit score. No free trials are involved, but some action is required. Remember, nothing in life is free.
If you are a proud user of a Washington Mutual credit card, you are in luck. Washington Mutual provides a credit score that is updated once a month when you sign into your user account. If you already have an account with WaMu then you do not need to do a thing. If you do not have a credit account, then you would need to sign up for one in order to get access to the credit score. If you ask me, it sounds like a pretty good deal.
Another way is through Prosper Lending and the Lending Club which are both companies that will supply a credit score to prospective borrowers. These companies will give you a credit grade, like A3 or B2, based on your Experian credit data. Then you can use a key to figure out your FICO score.
Finally, CreditKarma offers users a look at their credit score and the ability to track changes from month to month. This is an excellent way to make sure there are no fraudulent entries. The only catch is that this score is not a FICO or any other major brand score. Another thing that might scare you away is the fact you will need to provide personal information and a social security number. Make sure this is something you are okay with before you dive in head first.
As I promised, here are a few practical ways to view your free credit score
that don't require a trial period. I know what you all are thinking, this information is priceless.....thank you so much for your blog wisdom. Well, doing what I do is not easy, but saving all my faithful followers years of painful debt and money problems is the least I can do. But remember, nothing in life is free.....so if you're reading this you owe me money.