7 Places To Check Your Credit Online Free

Your credit score is very important because it basically determines if you are going to be accepted for different forms of credit including a mortgage. There are many reasons why you might have a bad credit score because your report is basically a record of your financial history. Having a lot of loans and credit cards could definitely contribute to your credit being lower and definitely if you have missed payments. If you have a bad credit score, there are definitely things that you can do to improve it. The first step in improving your credit score, if you need to, is actually knowing what it is and the black marks that are against your name. There are actually many places online where you can check your credit, all of the following websites are secure and beneficial so let’s take a deeper look at them.

1 – Annual Credit Report

On annualcreditreport.com, you can request your credit report annually and this can be very helpful in knowing your current situation. Your report is what banks and other institutions see when they search for you so it will give you a l0ok at what they see when deciding to give you credit or not. You can look at some things that might have been put on your credit score that are incorrect. The only way to fix mistakes on your credit is to stop them and if there are any errors, you can get them removed. By getting your credit annually, you can also discover what factors might be holding you back financially, and only then will you be able to mend these shortcomings. The great thing about getting your credit report through here is that you will get information from the top three bureaus so you will get a broader insight.

2 – Credit Karma

If you want to view your credit over time and also have a deeper look at current factors that might be affecting it, look no further than creditkarma.com. Making an account with this company is completely free and they will get information from two credit bureaus to give your overall score and information on exactly what is going on with your financials. These two bureaus are Equifax and TransUnion. Credit Karma updates very often so the fact that you can get instant updates is very appealing.

3 – Credit Sesame

Creditsesame.com will provide you with monthly updates on your credit report and it will get the information from TransUnion. Even though only one bureau is used, it is a really easy platform to navigate and there are other benefits too. Credit Sesame will give you deeper insights and tips on how to improve your credit, which is really important if that is what you are trying to do. It is really easy to make an account and you can access it at any time. Credit Sesame has positive reviews from customers all over the world so it is definitely worth considering if you are looking for a trusted platform to use.

4 – Nerd Wallet

Although Nerd Wallet is a little newer than some of the other platforms that have been mentioned, it has a really quick sign-up process and allows you to see your credit details for free and whenever you need to. Your details are refreshed twice a week with this company which is very convenient but the only drawback is that your details are obtained from TransUnion only, and you don’t get a peek into information that is held about you from other bureaus. You should get some valuable information however and that is the main thing. Nerd Wallet is still worth considering however if you simply need quick access to your credit report.

5 – Credit Wise

Although with Credit Wise, you only get access to your report from the TransUnion bureau, there are still some cool benefits with this company that are worth considering that might make you take that final step and sign up. In addition to allowing you to see your credit score regularly, there is also a credit simulator that lets you see how to improve your credit report over time. If your end goal is obtaining credit and you need to improve your score to do that, make sure to give Credit Wise a try.

6 – Wallet Hub

If you get a little obsessed with seeing how your credit score changes over time, Wallet Hub actually gives daily updates, which is pretty cool and unlike any of the other companies that have been mentioned on this list. This ensures that you always get the most up-to-date information from your TransUnion account, but unfortunately, no other bureaus are used by Wallet Hub. If you are brand new to looking at your credit online, this platform is super easy to use and is going to help you out a lot.

7 – Clear Score

Clear Score is a modern platform where you can get your report from a couple of different bureaus. It is updated regularly and you will also get insights on how you can improve your score and some of the history behind your credit too. This is free to use but there is a premium option if you want access to more handy features. Clear Score is a company that is available all over the world and it has many positive reviews from hundreds of thousands of customers.

Since you now know the top 7 places to check your credit online free, what are you waiting for? There is no point in using ALL the websites but you might want to make a free account on a few so that you can see what one you like best. All of the mentioned sites are trusted and can definitely help you raise your credit score, which in turn means that you will become more finally stable! When it comes to your credit, don’t bury your head in the sand, take action for a happier future.