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How To Get A (Really) Free Credit Report & 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 two services for getting a truly free credit score: Credit Karma or Credit Sesame. (I should disclose that after trying these services myself, I joined Money Under 30 with their affiliate programs, meaning this site earns a small amount for referring new users. If you choose to support this site in that way — thanks!)

Credit Karma

Credit Karma provides you with two credit scores — from TransUnion and Equinox — for free. Here’s what their dashboard looks like:

Get your free credit score and report at

From there you can dive into:

  • A free FULL copy of your TransUnion credit report
  • A credit report card that shows you how various factors — such as payment history, credit utilization, and account age — affect your scores
  • Free debt management advice and recommendations to improve your score

Credit Karma is free because they can advertise things on their site like targeted credit card offers, so they don’t have to charge you.

Sign up for Credit Karma here now (it’s really free) or get the app:

Apple app storeGoogle Play app store

Credit Sesame

Credit Sesame provides you with instant, totally free access to your TransUnion credit score and report as well as:

  • Free monthly updates to your TransUnion credit score and report
  • Daily monitoring and alerts of changes to your TransUnion credit report
  • $50,000 of identity theft insurance

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Premium (paid) options are available from Credit Sesame for users who want to track all three credit scores or want increased identity theft insurance. Like Credit Karma, Credit Sesame offers a variety of free tools that will help you understand and make plans to improve your credit score.

Sign up for Credit Sesame here now (it’s really free)

For most people, Credit Karma or Credit Sesame will be 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

Both Credit Karma and Credit Sesame provide 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.

Credit Sesame will offer additional reports (for a fee). But 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 own 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 or Credit Sesame 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 now at: