For better or worse, your credit score plays a big role in your financial health.
So it’s important to know your credit score and keep an eye on how it’s changing over time.
While most services charge upwards of $15-20 to view your own credit score, Credit Karma is a truly free site that lets you check and track your score without the need for a credit card, free trial, or any catches (because it’s a product I use myself and believe in, Credit Karma is an affiliate – see footnote).
No, Credit Karma is not a scam.
You’ll have to create an account and provide your personal information… including our social to verify your identity and pull your credit, but unlike other so-called “free credit score” sites there’s NO CREDIT CARD or any purchase required. (Credit Karma makes money by recommending advertisers’ financial products to its members.)
Although it’s best to review your complete credit report at least twice a year to check for errors (which this site does not include), Credit Karma provides a cool new way to track your overall credit health without paying a fee. Just create a free Credit Karma account, answer a few questions to identify yourself, and you’ve got your score.
I was impressed with how easy—and fast—getting my credit score was with Credit Karma. They also provide:
- A graph showing your credit score over time.
- Grades that show how your credit score compares to others.
- A simulator that shows you how certain actions will impact your credit score.
Update: I’ve now been using Credit Karma for four years. (Can’t believe it’s been that long!) It’s still my go-to source for how my credit score is doing, and I’ve found the comparison and simulation tools invaluable for seeing how certain decisions (like getting a new credit card or reducing my average credit card usage will influence my score.
Disclosure: When I first tried Credit Karma I was so impressed that they offered as much info as they did for free when so many sites were charging $15 a month. Months later, Credit Karma asked to become an affiliate partner with this Website and I gladly agreed. This means that we get a couple bucks if you sign up for their site. If you do so, it’s a way to get a free credit score and support the free content on this site, so THANK YOU if you choose to support us in this way.