If we live in the U.S. and do care about our credit history, score, and report (actually, we should), there are truly free ways to get free credit score, report, and monitoring from 3 major bureaus Equifax, Experian, and TransUnion. By truely I mean that these services require no credit cards, and some of them require us to enter only the last 4 digits of our social security number (SSN). Well, at least it is better than entering a full SSN.
1. Equifax https://www.quizzle.com
Quizzle now offers our full credit report, monitoring and credit score from Equifax and also a Vantagescore. Just go to https://www.quizzle.com/ and register an account.
2. Experian https://creditsesame.com
Credit seame offers our credit score and monitoring from Experian. However, it does not provide a full credit report, even though we can still see a list of all our credit cards.
Just go to https://creditsesame.com and register an account.
3. TransUnion https://www.creditkarma.com
Credit Karma offers our credit score and monitoring from TransUnion and an acceptable report that helps us understand our credit score, which I find it very useful to understand what is going on with my credit score. Credit Karma also provides Insight, which connects directly to our accounts and helps us keep track of our finances. For this feature, I think Mint at https://mint.com does a better job.
Just go to https://www.creditkarma.com and register an account.
If we want to buy a car, a house, or order a gas, water, electricity, or have a phone line under our name, then we need to keep an eye on our credit score and history. When I first came to the U.S., I thought that I would not have to care about my credit score because I would not buy anything I cannot afford at the time. Eventually, I realize that many other services require a good credit score, not just when we need to buy something.