Get a Free Credit Report and Score (Honest)

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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

There are a few places you can now get a totally free credit score, but the one I recommend most at the moment is 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.

Credit Sesame offers a variety of free tools that will help you understand and make plans to improve your credit score.

Learn more: Try Credit Sesame now—it’s totally free

For most people, 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. Check out our credit tracking app comparison page if you want a full comparison of the various ways to check and track your credit score—both free and paid.

Getting your 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 (with enrollment in Experian CreditWorksSM, 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 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 Credit Sesame

Credit Score Estimator

Estimate your credit score in about 30 seconds. Just answer a few simple questions about your past credit usage:
1 Have you ever had a credit card or loan?
2 How long ago did you open your first credit card or loan?
3 Have you ever made a late loan or credit card payment?
4 How many new loans or credit cards have you opened or applied for in the past 6 months?
5 In the last five years, have you:
  • Gone through foreclosure or repossession?
  • Had debt go to collection?
  • Made a loan or credit card payment 90 days (or more) late?
6 In the last ten years, have you declared bankruptcy?
7 What is the total credit limit for all your credit cards?
8 What is your total amount of credit card debt?

About the

Total Articles: 354
David Weliver is the founder of Money Under 30. He's a cited ity on personal finance and the unique money issues he faced during his first two decades as an adult. He lives in Maine with his wife and two children.

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1 comment
Donna Irons says:

Any body fear their credit score? I feel adverse to bad news. My credit score is a source of bad news so I avoid it at all costs. I haven’t looked into my credit score for years. This psychological block is terrifying. Intellectually, I know my credit report is beneficial to my financial life. However, my mind refuses to explore how to check my credit report because it represents failure. Every financial bleeps I have ever made is blown in my face like a stinging ice crystals in a blowing winter wind. So I don’t go out into the credit weather…..L stay warm and ignorant. Am I the only one who is conflicted about a credit score?


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