A consumer’s credit score is the most important number that he or she has. The credit score is the number that lenders use when they decide whether to grant a person a loan. Therefore, keeping up with one’s credit score is important. Several sites are available that will provide a consumer with an up-to-date version of his or her score. The best credit score sites are ones that do not request a consumer’s credit card number. The following are three of the top sites that will provide a credit score without requesting a credit card.
Credit Karma
The Credit Karma website has several benefits to it. First, the site does not charge consumers for signing up with it. Consumer participation on Credit Karma is strictly voluntary. Secondly, Credit Karma provides its members with helpful suggestions as to how they can improve their credit scores. The site creates a customized plan for each person based on his or her personal weaknesses and score.
The site may suggest that one person apply for a secured credit card and another person contact a bankruptcy specialist. The other amazing fact about Credit Karma is that signing up for service does not affect the debtor’s credit score. The signup process is quick, and the consumer can obtain access after he or she goes through the authentication process.
Credit.com
The Credit.com site is another site that does not ask its consumers to supply their credit card numbers. The site creators believe that every consumer has a right to a free credit score. The site provides more than one feature to each of its members. First, members receive a free credit report card that scores them on each aspect of their credit profiles. Secondly, members receive personalized action plans so that they can start to rebuild or improve their credit profiles immediately. Thirdly, members receive access to experts who have experienced in consumer finance issues. The experts can help to guide struggling consumers back to a path of having a straight credit profile. Finally, consumers receive monthly updates and analyses.
WisePiggy
The WisePiggy website promises consumers that they do not have to furnish their credit scores to receive help. WisePiggy is affiliated with the TransUnion company, which is one of the major credit bureaus. Consumers who are interested in knowing their TransUnion credit score can sign up for membership today. They will receive access to their TransUnion credit score without having to submit any credit card information.
WisePiggy is similar to the other sites in that it supplies its members with a wide variety of features. Members can receive ongoing access to their credit scores as long as they are members. They can receive an analysis of their credit reports if they like. Additionally, members can receive tips and recommendations on what they can do to improve their overall scores. A consumer can take a number of steps to improve a credit score. WisePiggy prevents the ideas that would help the most.
Grabbing a Free Credit Report
A consumer may want to grab hold of a free credit report, as well. Sites such as annualcreditreport.com will provide the consumer with a complete copy of his or her credit report for all three credit bureaus. With a credit score and a credit report, every consumer can work his or her way back to financial freedom. Improving one’s financial profile will take time, but it is possible with the help of the previously mentioned tools. The annualcreditreport.com site offers one free copy of the credit report per year. Credit bureaus are required to release such information to consumers at least once per year. Consumers can improve their scores by taking close note of any information that seems inappropriate. Furthermore, they can increase their scores by making timely payments, reducing credit inquiries, and keeping their balances above 50 percent of the total balances.