Best for Homebuyers: Quizzle
Quizzle provides you with your free TransUnion credit report every three months. You’ll also have access to a free copy of your VantageScore bases on your TransUnion credit report information. Your credit score is also updated quarterly.
There’s no credit card required to sign up when you create your account. Along with access to your free credit report, you’ll also be able to receive personalized recommendations and even receive an estimate of your home value. Both are also free. Quizzle is great for consumers who are on the market for a new home. The service analyzes your credit information to determine whether you’re ready to buy a home and offers personalized recommendations to get your credit in the best shape to qualify for a mortgage.
Easiest Sign-Up: NerdWallet
In addition to your free credit report, you’ll also be able to view your VantageScore 3.0 based on your TransUnion credit report information. Your credit score is also updated on a weekly basis.
Registering is fairly simple. You can use your Google accounts and you only have to enter the last four digits of your social security to create your account. If you’re new to Credit Karma, you can sign up to receive a free credit score in less than two minutes. After you’ve signed up, you can continue to view your credit report and credit score for free every day. Your credit score is refreshed daily and your credit report is refreshed weekly.
The one drawback to Credit Karma's free score is that it's not a FICO score, the one most widely used by lenders. Even though it’s not your FICO score, it gives you a picture of your credit standing based on your TransUnion and Equifax credit reports. The only thing that's missing is your Experian credit report (you view your Experian credit report and score for free through CreditSesame.com). Since 2008, Credit Karma has expanded their services to include free daily credit monitoring, a VantageScore, and an Auto Insurance Score. All those services are free.
The one drawback to Credit Karma's free score is that it's not a FICO score, the one most widely used by lenders. Even though it’s not your FICO score, it gives you a picture of your credit standing based on your TransUnion and Equifax credit reports. The only thing that's missing is your Experian credit report (you view your Experian credit report and score for free through CreditSesame.com). Since 2008, Credit Karma has expanded their services to include free daily credit monitoring, a VantageScore, and an Auto Insurance Score. All those services are free.
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