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Free Trial Credit Scores
Check your credit scores online with a free credit score trial product. Quickly and easily compare the top rated offers using our helpful guide to understanding and obtaining your credit score. All offers include a free credit score trial. In addition, you should review our other credit monitoring and identity theft protection offerings.


MyScore®
®



Checking your credit score
will not hurt your credit score.
Product Highlights
3-Bureau Credit Report Monitoring
Credit Score with Monthly Refresh
Credit Analyzer
$1 Million ID Theft Insurance
Lost Wallet Protection
Personal ID Theft Response Team
Keystroke Encryption Software
Our Editor's Review

Intersections, the provider of Fast3CreditScores®, has long been the leader in credit monitoring/identity theft protection. Although this program is slightly more expensive than other similar products, it's very comprehensive and offers a best in class identity control dashboard.
Free Trial Credit Scores Credit Monitoring ID Theft Protection Monthly Fee
30 days 3 Scores (Monthly) 3 Bureau $1,000,000 $14.99


YourScoreandMore.com


Checking your credit score
will not hurt your credit score.
Product Highlights
Credit scores from all 3 credit bureaus.
Daily credit monitoring and alerts.
Your free credit scores delivered in just seconds.
Our Editor's Review

YourScoreandMore has emerged as one of the most popular credit products in the space. With free credit scores from all 3 bureaus plus credit monitoring...it's easy to see why. This is a solid product that should fullfill the needs of most people.
Free Trial Credit Scores Credit Monitoring ID Theft Protection Monthly Fee
7 days 3 Credit Scores 3 Bureau None See offer details



CreditReportsMatter UK


Checking your credit score
will not hurt your credit score.
Product Highlights
Unlimited access to your Credit Report and Score
10-Day free trial
Daily monitoring of your Credit for all 3 bureaus
Email alerts for important changes to your credit scores, such as late payments
See your updated score whenever is changes significantly
Access to your credit history analysis
Our Editor's Review

A relative newcomer in the credit score/ credit monitoring arena. On the surface, it appears very good. Great Customer Service!
Free Trial Credit Scores Credit Monitoring ID Theft Protection Monthly Fee
7 days 3 Credit Scores 3 Bureau None $16.99

CreditReport.com

CreditReport.com


Checking your credit score
will not hurt your credit score.
Product Highlights
Free 7-day Trial
3 Beauru Report from Transunion, Experian, and Equifax™
Daily credit monitoring of your Equifax, Experian and TransUnion credit files and alerts to key changes
Our Editor's Review

CreditReport.com has been providing free credit scores for over 5 years and is a great service for anyone who wants a free credit score and a top notch credit monitoring service.
Free Trial Credit Scores Credit Monitoring ID Theft Protection Monthly Fee
7 days 1 Credit Score 3 Bureau None $24.99

 

Why Do I Need My Credit Score?

Credit and Its Importance
In layman's terms, your credit defines the likeliness that you will fulfill your financial obligations. Your credit is your word. It is your bond. In the eyes of creditors, it's your reputation and a defining characteristic that allows them to put a dollar figure on the amount of money they will lend to you or your organization. Just as a poor reputation may hurt your business or personal standing in a community, poor credit will damage your reputation in the eyes of banks and lending institutions.

What Items Effect My Credit Score
Your credit score is comprised of several key elements. These elements are outlined below.

  • Payment History
    • Accounts for roughly 35% of your score.
    • Pay your bills on time to keep your scores high.
    • Credit Tip: Late payments, charge-offs, and collections will have a drastically negative effect on your scores
  • Amounts Currently Owed
    • Accounts for roughly 30% of your score.
    • Based on the amount of debt you're currently have.
    • Your debt consists of credit cards, home loans, car loans, etc.
    • Credit cards generally have the most impact on your credit score.
    • Credit Tip: To maximize your scores in this section, you should keep your balances in relation to your credit limits as low as possible
  • Length of Credit History
    • Accounts for roughly 15% of your score
    • This category measures how long you've had credit. It does so by reviewing all of your accounts and looking at the opened dates.
    • The longer you've had credit, the more points you'll earn in this section.
    • Credit Tip: Keep old god accounts open to maximize the positive effect they have on your scores.
  • Types of Credit
    • Accounts for roughly 10% of your credit score
    • This category is looking for a healthy mix of accounts so
    • Credit Tip: Diversity is essential here. Having a mix of different types of accounts including credit cards, auto loans, mortgage loans, etc., will insure you do well here.
  • Searches for New Credit
    • Accounts for roughly 10% of your score.
    • When you apply for credit an inquiry will post to your credit report showing that you're seeking credit.
    • Too many inquiries in a short period of time can hurt you.
    • Credit Tip: Avoid excessively shopping for credit and only open a new credit account when you really need it.

 

Top 10 Reasons to Get Your Free Credit Score