[1]Photograph Credit: Microsoft Images
Did you survive my lengthy explanation of credit scores? I could spend a couple of weeks explaining the system, but I opted for one lengthy overview. My goal is to get our documents organized. In organizing, I like to know why these documents are deemed important.
To review, I have shared HOW I get our credit reports [2] and WHERE I can get our Experian credit score for free [3]. Today, I will share how I get our TransUnion credit scores for free.
Once I receive the TransUnion credit report, I review it for errors. Then I visit www.creditkarma.com. [4] Credit Karma is another free service that generates our TransUnion credit score for free. I have registered, and I get periodic notices to remind me to keep checking my credit score.
After logging into my Credit Karma account, I generate my credit score. I also review the comparison graphs which help me evaluate my financial situation. I print out my score and the comparison charts and place them with my credit report. Then these documents are added to my file box #1 in the front file labeled Credit Reports/Card documents. I then put the file away until the next credit report arrives.
Unfortunately, I don’t know of any service that generates your Equifax credit score for free. There are credit monitoring trials for which you could signup, but then you would need to cancel. If you want more information on this topic, I would read the information provided by Moolanomy [5]. I really enjoy reading the financial tips and tricks presented on his website.
You now have some resources to get your credit reports and two of your credit scores for free. Next week, I will cover how I review my credit report searching for errors.