How to Get a (Really) Free Credit Report and Credit Score

You may already know that it’s important to routinely monitor your personal credit information (it is!) You want to be on the lookout for fraud, but you also want to track your own creditworthiness so you don’t overpay when it comes time to borrow money.

Here, I’ll describe as simply as possible how to check your own credit for free without using a service that requires a credit card and starts billing you if you don’t cancel.

An honestly free credit score and report

Credit KarmaI recommend Credit Karma — a truly free service for checking and monitoring your credit score. (I should disclose that after trying Credit Karma myself, I joined Money Under 30 with their affiliate program, meaning this site earns a small amount for referring new users. If you choose to support this site in that way — thanks!)

Credit Karma provides free monthly tracking of your credit score, a free FULL copy of your TransUnion credit report, tools to evaluate your overall credit health, and debt management advice. It’s free because they can advertise things on their site like targeted credit card offers, so they don’t have to charge you.

Try Credit Karma here now (it’s really free)

For most people, CreditKarma is an ideal way to track your credit score. For the credit-obsessed, you may want to get proactive reports if anything on your credit report changes. If you’re serious about tracking your credit, consider paying for a credit monitoring service, instead.

Getting all three free credit reports

CreditKarma provides you with one of your three credit bureaus (TransUnion). While this is adequate for reviewing your report and knowing what’s on it, you want to check your credit reports from all THREE credit bureaus — Experian, Equifax, and TransUnion — at least once a year.

You can download a free copy of each of your three credit reports at It’s mandated by law, but this is the only site where you can do this. This gets you your credit report—the detailed lists of your credit accounts, debt balances, and payment history — but will NOT show you your credit score, the number lenders use to evaluate your creditworthiness and compare you to other borrowers.


  • Checking your credit will not cause your credit score to go down.
  • Your credit report and credit score are related, but different. Hit up for all three reports once a year, and Credit Karma for a free credit score and TransUnion report.
  • These sites will ask for personal information like your social security number (SSN) — they have to in order to verify your identity and pull your credit information.
  • Do beware of sites that require a credit card number to check your report or score — they will probably charge your card monthly unless you cancel.

Get your free credit report and score at CreditKarma now