Credit Karma: The Best Place For Truly Free Credit Scores Now Offers Full Credit Reports

Credit Karma now offers free credit score and report.

Credit Karma — one of our favorite sites for getting a truly free credit score — announced this week it now offers free credit reports as well. There’s still no catch, which is why Credit Karma remains our favorite place to quickly and easily check your own credit data at absolutely zero cost.

Auto Insurance Scores: The Surprising Truth About How Credit Affects Car Insurance Rates


As I often mention, I login to the free service CreditKarma every couple of months to keep track of my credit score. One time a year or so ago I logged in to see a new feature that differentiated my credit score from my auto insurance score. To my surprise, although my credit score was […]

New to Credit? Five Ways to Speed up Building a Good Credit Score


Anyone whose tried to get a loan with a weak credit history knows that even an excellent credit score will only get you so far with lenders. That myth your uncle told you about signing up for a credit card, using it once, paying it off and letting your credit history soar is just that […]

Credit Sesame Review: A Free Tool for Improving Your Credit

Credit Sesame is a new free service that helps you track your credit score and manage your debts.

Credit Sesame is new service providing free credit score tracking and ways to organize your existing debts so you can identify opportunities to pay them off faster. It’s like Credit Karma meets Debt Goal meets LendingTree. Credit Sesame gives you:

Good Credit Matters: How to Understand and Improve Your Credit Score

FICO 101: A really simple guide to your credit score.

A good credit history is a big part of financial independence; a good credit score makes it possible to get credit cards and buy a home, while a poor or missing credit history can make it difficult to rent an apartment, get insurance — or even get a job. Here’s what you need to know about building a great credit history and using it responsibly.

Do It Yourself Credit Repair: 6 Steps To Recover From Bad Credit

Don’t fall for scams promising easy, overnight credit repair. If you want to fix your poor credit, you can (and should) do it yourself. Follow these six simple steps to do-it-yourself credit repair.

Paying Off an Auto Loan Is Bad For Your Credit Score!?

Dave Ramsey tells people that FICO scores aren’t credit scores; they’re “I love debt” scores. Case in point: Last week, I paid off my auto loan. This week, my FICO score dropped 60 points. Sixty! There have been no other changes to my credit report. Needless to say, I’m pretty flabbergasted…and pissed off…that my score […]

Beware Free Credit Score Ads

Have you already noticed that all the annoying TV ads for are now for That’s because as of April 2, the U.S. Federal Trade Commission (FTC) now requires companies claiming to offer free credit reports to include obvious disclaimers informing you that the only place to get a truly free credit report is […]

Eight Steps to Achieve Credit Nirvana


Tired of worrying about your credit, and being punished for having a low credit score? The eight steps listed below will lead you to financial freedom. Some are easier than others, but by following even some of them your credit score will rise. 1. Be Patient This one’s so easy, you don’t actually have to […]

How to Check Your Own FICO Score

A reader working to qualify for a mortgage writes: “I have checked my credit with the three bureaus, and they seem to have all my info up to date and everything looks good. My problem is that on the free credit reports I received (via, I can see everything except my FICO score. Before […]