Easiest Way To Get Your Credit Score For Free

by Broke Grad on September 11, 2008

Thanks to the Fair and Accurate Credit Transactions Act of 2003 we can easily get a free credit report from each of the three major reporting agencies once every 12 months. However, if you’ve ever gotten your free credit report, you know that a vital piece of information is missing — the credit score.

It’s kind of like getting a final exam back without a grade. On most sites I’ve been to in the past, the only way to see your credit score for free is to sign up for a trial of a monitoring service (with a monthly fee), and then cancel it before the trial is over. It’s a big hassle for such a simple task.

Personally, I don’t think you should have to pay to see your financial report card, and I’m glad to have finally found a resource that makes it possible.

Credit Karma Offers Free Credit Scores and More

I discovered Credit Karma via Moolanomy the other day and decided to give it a go. It literally takes a couple of minutes (depending on how fast you type) to sign up — fill in personal information, click an email confirmation, and that’s it. You’ll be staring at your credit score in no time. My credit score turned out to be lucky 7s. Anyone up for a trip to Vegas?

Credit score

Credit Compare Features

Credit Karma also offers some useful comparison features that let you know how your credit score stacks up against the rest of the nation. It’s almost like looking over a final exam grade distribution. As you can see below, I’m part of the 15.9% of the nation that has a FICO score between 750 and 799.

National credit score distribution

My credit score of 777 puts me in the 88th percentile of the U.S. population. Did I just take a standardized test?

National credit score percentile

Finally, your credit score is translated into the words that lenders use to describe your credit worthiness. My score of 777 puts me somewhere between good and very good.

Credit rating


Credit Karma is the simplest, easiest way I’ve found to get your credit score for free. There’s no trial offer to cancel and no hidden fees. It’s just a valuable resource that’s great to know about, especially if you’re planning to finance a car or buy a home in the near future.

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