您的信用评分直接影响您财务状况的许多方面。但是，您是否知道网上有免费的信用评分检查工具可以帮助您监控您的信用评分？
这篇文章将通过列出最受欢迎的平台来免费检查您的信用评分，帮助您可视化您当前的财务状况。它还将讨论什么是信用评分以及几家机构如何评价您的信用。
什么是信用评分？(What’s a Credit Score?)
信用评分通常是债权人和其他金融机构用来确定您的财务状况的数字 300 和 850。
该分数是使用不同的因素计算的，例如：
- 支付历史
- 您拥有的信用卡
- 您的信用查询
- 信用使用
- 您的信用记录的长度
房东、雇主和保险公司也可能会使用您的信用评分来确定他们如何与您进行交易。
您的信用评分越高，这些机构就越有可能批准您的贷款、抵押贷款和其他货币交易。但是，较低的分数会降低您的贷款获得批准或支付更多利息的可能性。
FICO 与非 FICO 信用评分(FICO vs. Non FICO Credit Score)
Fair Isaac Corporation ( FICO ) 分数是大多数贷方用来确定您是否存在信用风险的分数。三大信用局，即Equifax、Experian和TransUnion ，根据您的信用记录 使用FICO分数。(FICO)
相比之下，非 FICO 分数不使用与顶级贷方相同的计算。因此，这两个分数通常不匹配，在某些情况下甚至可能有 100 或更多的分数差异。虽然情况可能如此，但了解您的信用评分仍然可以让您了解您的财务状况(financial health)。
VantageScore 是最流行的非FICO评分系统之一。他们最近的VantageScore 3.0和 4.0 采用了与FICO相同的 300-850 量表。
作为参考，良好的FICO分数是 670 以上。同时，如果您使用非FICO量表，700 及以上的分数被认为是良好的信用。
免费检查信用评分的最佳平台(Best Platforms to Check Credit Score for Free)
在Credit Karma(Credit Karma)上注册一个免费帐户需要几个步骤，包括验证您的身份以查看您的信息。
Credit Karma向您显示两个分数。一个基于您的Equifax报告，另一个基于您的TransUnion报告。这两个分数略有不同，具体取决于每个局更新您帐户的频率。
Credit Karma最好的一点是他们有一个信用评分模拟器(Credit Score Simulator)。如果您获得新贷款、开立新信用或执行其他类似操作，您可以使用此工具预览您的信用将如何变化。
在此平台上创建帐户与Credit Karma非常相似。但是，芝麻信用(Credit Sesame)只会提供您的 TransUnion 报告。尽管有这个功能，他们的网站仍然提供有关您的信用评分的有价值的信息。它还具有有用的功能，例如债务分析工具和信用监控。
Credit Sesame有一个借记账户，当您提高信用评分时，它们会提供一些激励。该平台还提供有关如何提高信用评分的建议。
此外，芝麻信用(Credit Sesame)对您过去的行为进行评分，并告诉您它们如何影响您的分数。Credit Sesame的一个缺点是它们仅每月更新您的信用评分，而其他一些平台则在一周内更新。
CapitalOne的CreditWise提供了 TransUnion 的 VantageScore 3。但是，他们不提供Equifax的任何评级。该平台每 7 天更新一次您的信用评分，并有一个类似于Credit Karma的信用模拟器。
这项服务最好的一点是，他们不宣传任何通过资格预审的信用卡(credit cards)或保险费率。您也无需拥有CapitalOne信用卡或银行账户即可使用该平台。
此外，CreditWise提供了一些有用的信用改善建议，如果您刚刚开始信用，这些建议很有用。不过，他们服务的主要缺点是，您只能根据TransUnion报告对您的总信用状况进行部分了解。
Experian 是少数可让您免费获得FICO分数的应用程序之一。(apps)他们每月或每当您的信用评分发生重大变化时更新您的分数。
该应用程序还具有 Experian Boost功能，如果您有良好的水电费和按时租金，则可以让您获得良好的信誉。Experian 拥有与其主要竞争对手类似的出色信用监控通知。
Experian的主要优势在于它们提供的不仅仅是一个FICO分数。它们涵盖不同的银行分数、汽车分数等。您可以使用该应用程序对报告中的负面项目提出争议。然而，众所周知，益博睿(Experian)向用户过度宣传其优质服务。
可以使用您的Chase帐户访问这个免费的信用跟踪工具。Credit Journey每周都会更新您的信用评分，并提供有用的功能来帮助您了解您的支出如何影响您的整体评分。
该分数基于许多保险公司和银行使用的VantageScore 3.0模型。(VantageScore 3.0)Credit Journey 最显着的优势是它可以预先获得Chase的报价。因此(Hence)，随着时间的推移，您可以获得更大的奖励，但这些仍需获得批准。
该工具的另一个优点是它能够将所有财务数据(financial data)存储在一个地方。然而，就像 Experian 一样，使用此工具的唯一主要缺点是收到来自Chase的许多信用优惠。
即使您不使用Discover银行，您仍然可以使用此服务检查您的信用评分。您只需注册一个免费帐户并提供必要的信息来验证您的身份。一旦您的帐户获得批准，您就可以根据您的 Experian 信用报告 查看您的FICO分数。(FICO)
该平台可让您查看您的账户总数、信用记录的长度以及您当前的查询次数。它还显示您错过的付款和循环利用率。
与其他免费的FICO评分网站不同，Discover不会强迫您注册付费产品。
7. 您的信用卡发卡机构(7. Your Credit Card Issuer)
发行您的信用卡的公司允许您查看您的FICO信用评分。如果您想查看您的信用评分，您可以登录您的在线帐户或拨打信用卡背面的免费电话号码。
一些信用卡公司(credit card companies)还会在他们每月发送的纸质报表上显示您的信用评分。
你的分数是多少？ (What’s Your Score? )
这些只是免费或以最低费用检查信用评分的几种方法。市场上的其他工具提供相同的服务，尽管不如此列表中的工具有效或简洁。
如果您想保持财务健康，请务必在做出重大财务决定之前检查您的信用评分。
7 Ways to View & Monitor Your Credit Score Online for Free
Your crеdit ѕcore directly affects many facets of your financial well-being. However, did you know that therе are freе credit score check tools online that can help you monitor your credit sсоre?
This post will help you visualize your current financial health by listing the most popular platforms to check your credit score for free. It will also discuss what a credit score is and how several institutions rate your credit.
What’s a Credit Score?
A credit score is usually a number 300 and 850 that creditors and other financial institutions use to determine the health of your finances.
This score is calculated using different factors, such as:
- Payment history
- The credit cards you own
- Your credit inquiries
- Credit usage
- The length of your credit history
Your credit score may also be used by landlords, employers, and insurance companies to determine how they transact with you.
The higher your credit score, the more likely these institutions will approve your loan, mortgage, and other monetary transactions. However, a lower score will make it less likely for your loans to be approved or have you pay more in interest.
FICO vs. Non FICO Credit Score
A Fair Isaac Corporation (FICO) score is what most lenders use to determine whether you’re a credit risk or not. The three major credit bureaus, namely Equifax, Experian, and TransUnion, use FICO scores based on your credit history.
In contrast, a non-FICO score doesn’t use the same calculations as the top lenders. As such, the two scores often don’t match and could even have a score difference of 100 or more in some cases. While that may be the case, knowing your credit score can still give you an idea of where your financial health stands.
VantageScore is one of the most popular non-FICO scoring systems. Their recent VantageScore 3.0 and 4.0 have adopted the same 300- 850 scale used by FICO.
For reference, a good FICO score is anything above 670. Meanwhile, if you are using the non-FICO scale, a score of 700 and above is considered good credit.
Best Platforms to Check Credit Score for Free
Signing up for a free account on Credit Karma takes a few steps, including verifying your identity to see your information.
Credit Karma shows you two scores. One is based on your Equifax report, and the other is based on your TransUnion report. The two scores are slightly different depending on how often each bureau updates your account.
The best thing about Credit Karma is that they have a Credit Score Simulator. You can use this tool to get a preview of how your credit would change if you get a new loan, open new credit, or do other similar actions.
Creating an account on this platform is very similar to Credit Karma. However, Credit Sesame only gives your TransUnion report. Despite this feature, their site still offers valuable information about your credit score. It also has useful features such as a debt analysis tool and credit monitoring.
Credit Sesame has a debit account wherein they offer a bit of incentive when you increase your credit score. The platform also provides suggestions on how you can improve your credit score.
Furthermore, Credit Sesame grades your past actions and tells you how they affected your score. One downside of Credit Sesame is that they update your credit score only every month, whereas some other platforms do it in a week.
CreditWise by CapitalOne provides a VantageScore 3 by TransUnion. However, they don’t offer any rating from Equifax. The platform updates your credit score every seven days and has a credit simulator much like Credit Karma.
The best thing about this service is that they don’t promote any pre-qualified credit cards or insurance rates. You also don’t need to have a CapitalOne credit card or bank account to use the platform.
Moreover, CreditWise provides some helpful credit improvement suggestions, which are beneficial if you’ve just started a credit. The main downside of their service, though, is you only get a partial glimpse of your total credit profile based on the TransUnion report.
Experian is one of the few apps that let you get access to your FICO score for free. They update your score monthly or whenever there’s a significant change to your credit score.
The app also has the Experian Boost feature, which allows you to gain good credit if you have good standing utility bills and on-time rent. Experian has excellent credit monitoring notifications similar to its main rivals.
The main advantage of Experian is they provide more than just one FICO score. They cover different bank scores, auto scores, and more. You can file a dispute on negative items on your report using the app. However, Experian is known to over-promote its premium services to its users.
This free credit tracking tool can be accessed using your Chase account. Credit Journey updates your credit score every week and has useful features to help you understand how your spending affects your overall score.
The score is based on the VantageScore 3.0 model, which many insurance companies and banks use. Credit Journey’s most significant advantage is that it can pre-qualify for offers from Chase. Hence, you can get bigger rewards over time, but these are still subject to approval.
Another advantage of this tool is its ability to store all financial data in just one place. However, much like Experian, the only main con with using this tool is receiving many credit offers from Chase.
Even if you don’t bank with Discover, you can still use this service to check your credit score. You just have to sign up for a free account and provide the necessary information to verify your identity. Once your account is approved, you can see your FICO score based on your Experian credit report will be available.
The platform lets you see your total number of accounts, the length of your credit history, and the number of inquiries you currently have. It also shows your missed payments and revolving utilization.
Unlike other free FICO score websites, Discover doesn’t pressure you to sign up for paid products.
7. Your Credit Card Issuer
The company that issued your credit card allows you to see your FICO credit score. If you want to check your credit score, you can log in to your online account or call the toll-free number that’s on the back of your credit card.
Some credit card companies also show your credit score on the paper statement they send each month.
What’s Your Score?
These are just a few ways to check credit scores for free or with a minimal fee. Other tools on the market offer the same service, albeit not as effective or neatly outlined as those on this list.
If you want to keep your finances healthy, make sure to check your credit score before making huge financial decisions.
