Free Credit Score without a Credit Card or Subscription

Sites that promise free credit score are very easy to locate. But then it is quite difficult to find a site that offers a truly free credit score without having to enter your credit card number. Most websites with a free credit rating have an undisclosed effect if you are moved by the promises of a free credit rating. But to obtain this result, request that you subscribe to the credit supervision services.

There are several ways to get a free credit rating without giving your credit card number.

 WebSites with Free Credit Scores

  • Capital One CreditWise is a site is available to consumers to obtain free credit. You can register even if you do not have a Credit Card. You will receive monthly updates for VantageScore 3.0 based on the TransUnion credit report.

Obtain a Free Credit Score without a Credit Card or Subscription

Free Credit Score without a Credit Card or Subscription

  • offers free credit scores based on the credit reports of Equifax and TransUnion. They also add the VantageScore insurance score and result at no additional cost. your social security number and other identifying information will be required. Your card number will never be requested.


  • The goal of is to connect with offers to reduce debt payments through refinancing options and low-cost credit cards. Your free credit score is part of the transaction and you do not need to provide your credit card information to obtain it.


  • Discover offers a free credit card that includes the FICO score based on the information in the Experian credit report. The Scorecard is updated monthly and you do not have to be a Discover customer to register.


  • offers you a free copy of VantageScore 3 and updates your monthly results. You can also see the factors that affect your credit rating.


  • makes it possible for you to see your free credit score and the Experian credit report without the necessary credit card. You can access your credit rating at any time and report through Quizzle, however, you can only be updated every six months.

Obligation to Provide the Necessary Credit Assessment | Obtain a Free Credit Score without a Credit Card or Subscription

You may be aware of the law that requires credit agencies to provide each consumer with a copy of their free annual credit report. it’s rather unfortunate, this law does not allow consumers to access the results of their credits. However, there is another law that offers certain consumers a free credit rating, but only after submitting a loan application.

The new law on disclosure of credit results requires banks to provide a free credit assessment to applicants who reject or approve on less favorable terms as a result of their loan. You do not have to do anything to get a free credit score. It is sent automatically based on the decision of the creditor.

There are situations where one does not get a free credit rating even if one refuses. For instance, banks should not send credit rating information when they use an internal credit assessment, and insurance companies are not required to disclose the credit rating used to allocate the insurance premium.

FICO score excluded

With the Discover Credit Scorecard, the disadvantage of the free credit ratings is that the results will probably not be the result of the FICO, the most used credit rating. Credit Karma, Quizzle and Credit Sesame give you a loan version, that is, FAKO Score. These results may differ from each other and, in general, fluctuate with respect to the FICO result, even on the basis of this office’s credit report.