Home News • Credit Karma: Free Credit Score (No Credit Card Required! ) – Hip2Save #best #secured #credit #cards

Credit Karma: Free Credit Score (No Credit Card Required! ) – Hip2Save #best #secured #credit #cards

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Credit Karma: Free Credit Score (No Credit Card Required!)

If you re planning on making a big purchase in the near future (house, car, etc.) or will be applying for a loan, you may be interested in finding out what your credit score is ahead of time!  Knowing your credit score (which is a number from 300-850 based on your personal information and payment history) before making a large purchase that will require payments to a lending institution will help you determine how much a lender may be willing to lend to you.  Generally, the higher the credit score, the more they are willing to lend and the lower the interest rate will be on the loan.  Also, checking your credit before getting a loan will help you to improve or correct the score (if necessary) ensuring that you get the best loan program that fits you.

With all that said did you know that Credit Karma . as seen in MSNBC, Smart Money, The Wall Street Journal, USAToday, CNN, and other news sites, offers completely FREE credit scores with no hidden costs or obligations and no credit card is required and there are no strings attached.   Plus, you can also return to their site as often as you like and use their service to track your credit file and stay informed!  I just signed up with Credit Karma and was able to see my FREE credit score immediately after signing up as well as my credit report card displaying my open credit card utilization, percent of on-time payments, average age of open credit lines, total accounts, hard credit inquiries, derogatory marks, total debt, debt to income ratio, and more!

By signing up with Credit Karma. you ll be able to

*Access your FREE Credit Score anytime

*Receive exclusive offers based on your score

*Utilize tools to track your credit score

*Receive valuable credit and finance content

*Calculate and research to find best rates

*Engage in community feedback on offers partners

Also, did you know that you are entitled to a FREE credit report once a year?   If you have bought a home, own a car, or carry credit cards, it s very important to look into your credit report at least once a year to make sure that your credit report is accurate.  Keep in mind that a credit report differs from a credit score in that it only contains credit inquiries, bankruptcy, payment history, credit use and current credit accounts and does NOT show your credit score or FICO number.  By checking your credit report annually, you help to keep yourself safe from or even help yourself prevent identity theft. It can also benefit you by keeping you knowledgeable to any inaccuracies that could result in a higher interest rate toward your next loan, credit card, or credit purchases.

As you can see, there are many benefits to knowing your credit score and requesting your free annual credit report!

Now it s your turn!

Do you consistently request an annual credit report or credit score?  If so, what site do you prefer to use to request your FREE credit report?  Have you found it helpful to request your credit report or ever found any discrepancies in your report that have needed disputing?  Please feel free to share your thoughts on this in the Comments section!


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