The first thing to understand is that not all free credit score companies work the same. There are some who offer a free credit score, but require you to sign up for a credit monitoring service to see it. If you cancel, there is no cost, but if you forget, your credit card will be billed. The key factor here is that if a company asks for your credit card to access your free credit score, it’s an offer to be avoided.
Do Credit Karma, Credit Sesame and Quizzle require a Credit Card?
Companies like Credit Karma, Credit Sesame and Quizzle offer your credit score without the need to input a credit card, so these are much preferable to any requiring a credit
The first thing to note is Credit Karma only gives users access to their TransUnion credit report. This is important because there are actually three main credit reporting agencies: TransUnion, Experian and Equifax. Each credit reporting agency is different than the others, and what is contained in each of their reports can differ from the others. That means when you see the free credit report from Credit Karma, you’re only getting access to one of the three credit reports on you out there. You can also get a free Equifax credit report at Quizzle, but again, it’s from only one of the reporting agencies. AnnualCreditReport gives you access to all three credit reports at no cost.
Frequency of Report
As a general rule, you’re