How to check my credit score for free?

At this time there are only three completely free ways to get a free credit score. You will need your social security number to receive your free scores. Your credit reports will not be affected in any way by obtaining them.

CreditKarma.com offers a free one based on your TransUnion credit report. No report details are given, but you’ll learn about the recent changes that have the greatest impact on your score.

Equifax Credit Score Card gives you a free credit score directly from Equifax. No specific credit report data is provided, but a short summary is available explaining exactly what on it is affecting your score.

Credit Sesame has a credit score based on information from your Experian credit report. You’ll be given hints on how to raise it and learn how to qualify for a mortgage.

A recent study reports that North Dakota, Vermont, South Dakota, Montana, Iowa, Nebraska, Wyoming, Hawaii, Minnesota, and Alaska rank as the 10 states who best manage and obtain credit. Nevada, Georgia, Florida, Arizona, California, Alabama, Mississippi, Illinois, Indiana, and Tennessee rank as the 10 worst states for credit conditions.