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How Do I Get A Free Credit Score?

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Today, the importance of credit score is increasing day by day. Because of the developing and changing living conditions, many people use credit or credit cards to finance their expenses. Improving your credit score not only makes it easier for us to get credit or credit cards, but also helps us borrow more profitably by getting benefits. For these reasons it is very important to get and improve credit points. In addition to there are many ways to get a free credit score today.

The credit score is calculated based on the information in the credit reports. Therefore, a credit report must be obtained when receiving a credit score. You should even get credit reports from three credit reference agencies (Experian, TransUnion and Equifax) and compare them with your credit scores. Because there is no universal credit score and everyone has more than one credit score. Comparing the credit score and credit report from all three credit reference institutions will prevent you from lowering your credit score due to any inaccurate or incomplete information about your payments. Moreover, you can get a free credit score as well as get a free credit report.

To get a free credit score calculated according to the credit reports of credit reference institutions

When you get a free credit report, you will see different credit score ranges for each credit institution. Therefore, you must know which credit reference institution has which credit score ranges before you can get a free credit score. So you can understand how good or bad your credit score is and improve your credit score.

The credit score ranges you will see when you get a free credit score from Experian;

  • Very poor: 0-560
  • Poor: 561-720
  • Fair: 721-880
  • Good 881-960
  • Excellent: 961-999

The credit score ranges you will see when you get a free credit score from TransUnion;

  • Very poor: 0-550
  • Poor: 551-565
  • Fair: 566-603
  • Good 604-627
  • Excellent: 628-710

The credit score ranges you will see when you get a free credit score from Equifax;

  • Very poor: 0-278
  • Poor: 279-366
  • Fair: 367-419
  • Good 420-466
  • Excellent: 467-700

There are banks and non-bank sources that calculate the credit score with credit reports received from three credit reference institutions. That’s why we divide the places where you can get a free credit score into two groups: banks and non-bank resources. Because banks have the condition to protect your data, while non-bank resources do not. You should first try to get a free credit score from banks.

  • Get a free credit score calculated according to the credit reports of Experian;

There are many bank options available for those who want to get a free credit score calculated according to Experian credit reports. Credit.com is the only non-bank resource that provides get a free credit score service.

Get a free credit score from Experian through banks;

  • American Express,
  • Discover,
  • Chase,
  • Experian,
  • Wells Fargo,

Only from these banks Discover and Experian allow everyone to receive services, which provide a free credit score. Experian provides this service through the FreeCreditScore website. You must be a member to get a free credit score from other banks. While other banks outside the USAA will help you learn your FICO score, USAA VantageScore will help you learn. You can get a free credit score each month from all of these banks.

Get a free credit score from Experian through non-bank resources;

  • com;

This is the only non-bank resource that allows you to get a free credit score from Experian. And anyone can get a free credit score with Credit.com. However, the credit score you receive is of the VantageScore credit score type.

  • Get a free credit score calculated according to the credit reports of TransUnion;

There are many bank and non-bank resource options available for those who want to get a free credit score calculated according to TransUnion credit reports.

Get a free credit score from TransUnion through banks;

  • American Express,
  • Barclays,
  • Bank of America,
  • Capital One,
  • S. Bank,

These banks allow you to get a free credit score, and only Bank of America and Barclays provide credit scores based on the FICO credit score type. American Express, Capital One and Chase help everyone get a free credit score, while other banks offer this service only to their members. You can get a free credit score weekly from American Express, Capital One and Chase, and you can get a free credit score monthly from Bank of America.

Get a free credit score from TransUnion through non-bank resources;

  • Bankrate,
  • Credit Karma,
  • Mint,
  • Credit Sesame.

All non-bank sources where you can get a free credit score through TransUnion give credit scores in the VantageScore credit type, and everyone can get a free credit score from these non-bank sources. You can get a free credit score weekly from Bankrate and a free credit score monthly from Credit Sesame.

  • Get a free credit score calculated according to the credit reports of Equifax;

There are few options available for those who wish to get a credit score free calculated based on Equifax credit reports.

Get a free credit score from Equifax through banks;

  • Citi;

For those wishing to get a free credit point from Equifax, Citi is the only bank option. However, you must be one of the selected credit card holders to get a free credit score from Citi. Some of select Citi cards are;

  • Citi Dividend,
  • Citi Prestige,
  • CitiĀ® Double Cash Card,
  • CitiBusiness / AAdvantage Platinum Select World Mastercard,
  • AT&T Access Card from Citi.

When you receive a free credit score from Citi, it is a FICO credit score type. You can get a free credit score each month.

Get a free credit score from Equifax through non-bank resources;

  • Credit Karma;

The only option for those who wish to receive a free credit score from Equifax is Credit Karma. Anyone can get a free credit score of the VantageScore credit score type.

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