“F.R.E.E. that spells free” we have all heard the commercial (If not here is the link). Truth is most credit reporting sites maybe free but is not free of responsibility on your part. Many “FREE” sites are loaded with trial periods and credit monitoring service. Who wants all that stuff? All you want freaking credit score.
What you need to understand is even if you purchase a credit report from all 3 credit bureaus (Transunion, Experian and Equifax) that does not necessarily mean that will be the same report a lender will pull on you. Here are 2 great sites for someone curious and wants to get a general idea where they’re at on the credit score ladder:
- Credit Karma – This site is awesome! Best of all it is truly free and can be updated often. Definitely, a great place to start and get a general idea. The downside is you will have to deal with numerous credit card ads and offers but with some patience it’s definitely worth it. Also the score you receive may not be 100% correct.
- Annualcreditreport.com - This site is sponsored by all 3 credit bureaus and probably your best bet to see exactly what a lender may pull. You can pull a credit report from 1 of the 3 credit reporting agencies for free. However, this can only be done once every 12 months. After that you will begin to pay if you decide to pull more often.
Any marketer will tell you the greatest word in marketing is “FREE”. Your best indicator should be if they ask you for your credit card. In that case your better make sure you read the fine print or you may end up with a nice surprise on your next bank statement. Not all credit reporting sites are created equal. However, these 2 sites are a great place to start.
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