I hate to sound stupid but I have not had to borrow money in a while. Looks like I am possibly going to buy my daughter a house to live in out in Texas to finish out college. What is the best way to check my credit score without it counting against me. Thanks in advance for any help.

You probably have a link to click on your credit card web site. Mine won't shut up about it. Or you could go straight to experian.

CreditKarma.com

You can check it every day. They will also tell you what to do to improve it if need be. Pretty good tool

Your bank and CC company should have the capability , no charge on your computer or smart phone, if you do online banking.

I have the credit Karma ap. I check it about once a week and it doesn’t take a hit. The KC score and what you get during a credit ap will be slightly different but within 5-10 pts. I think it’s because it doesn’t update immediately.

annualcreditreport.com

Credit Karma also helped me catch fraud where my identity had been stolen. Alerted me of a hit against my credit looking to buy a car. Long story, think I posted about it back when it was happening. Long story short, USPS Inspectors setup a sting up in Detroit and a couple of fellas went to jail. I now keep my credit frozen until I am ready to have it run.

I use Credit Karma and Credit Wise

CreditKarma can give you a general idea but I recently saw a friend whose actual fico 8 score was over 90 points lower than CreditKarmas score. As said above, if you have a credit card they usually offer instant access to your score for whatever bureau they use.

Thanks for the advice. Much appreciated.

Now you get to experience the pleasures of the Texas Wealth Tax (property taxes).

My score is about 10

Be careful searching how to find credit score online. There are a lot of fraudulent sites designed to still your info. You are allowed 1 free credit report each year. You can either visit each of the three credit bureaus or as others have said use the site AnnualCreditReport.com

Credit karma sucks unfortunately because I thought they were accurate.

They ain't
They been reporting my score about 30 points higher. I was disappointed too boy.

I don’t have credit score. Cash only.

Credit Karma!!! It’s free and doesn’t go against your score!!!

But it’s not accurate. Most credit institutions use a different report. My own Credit Karma score is about 40 points higher than any credit report banks use. Be careful or you’ll get your feelings hurt with CK.


Edit….51 points difference between Credit Karma and Experian as of this morning.

I've always thought that credit score stuff was kind of a scam. Folks put way too much stock in it . I don't understand why checking it , counts against it.