For almost a year now I’ve been checking my Transunion credit score for free with Credit Karma. Don’t worry you don’t need a credit card. There is no trial offer to sign up for. It’s a totally free credit score without the catches.
Here’s a look at my credit score for the past few months:
And here is my current Transunion credit score:
Not only can you check your Transunion credit score for free but you can also get access to your Auto insurance score which lets you know how insurable you are and your VantageScore which is similar to the FICO credit score but a different formula. And speaking of the FICO scores, I did pay the fee to check my FICO score and it was almost the same as the Transunion score so this way you can get a good idea of how good your credit is when you want to buy a car, home, boat, or apply for a credit card.
And a new Credit Karma feature is their Credit Card Approval Odds. You can get a good idea of how likely you will get approved for a new credit card before you apply and put more hard inquires on your credit file than you need to.
I tried it out and it worked for me. I was able to get approved for a new Capital One Rewards Credit Card with a $1,000 credit limit. It pays me 2% cash back on gas and groceries and 1% cash back on everything else. The only downside is the $39 annual fee which I should more than makeup with the cash rewards.
So take a couple minutes and check out Credit Karma to get your absolutely free credit scores with no credit card needed. I like it and I am sure you will too.
Here’s a video with some more details: