You won’t have to enter any credit card information, there’s no trial subscription to cancel, and your credit information is updated weekly. Credit Wise is available for free, even for those who aren’t Capital One customers.

You can check your TransUnion credit report and credit score through CreditWise, a credit report and credit score tool from Capital One. You don’t have to take advantage of these offers if you’re not on the market for a new credit card or loan product. Credit Karma also uses your free credit report information to show credit card and loan offers that you may qualify for based on your credit standing. You’ll have access to your credit report information along with an explanation of the factors that are currently contributing to your credit score. Although, changes may require some days to be reflected in what is shown by Credit Karma. Your credit report information is updated to reflect changes in your credit history and activity, giving you continued access to changes in your credit information. You can access your credit reports at any time by logging into your account either directly through your web browser or through their mobile app. While you will have to create an account to use Credit Karma, you don’t have to enter your credit card information or remember to cancel any free trial subscription. Because you can access two of your major credit reports, it’s the next best option to. You won’t receive a credit score with your credit report from .Ĭredit Karma has been around since 2007 and has partnered with two of the major credit bureaus-Equifax and TransUnion-to offer your free credit report. Depending on the length of your credit history and the number of accounts you’ve had, your credit reports can be dozens of pages each. The downside is that you receive your full credit report, which hasn’t been formatted for user-friendliness. Alternatively, you can call 1-87 to order your legally free credit report.Ĭredit reports are available as a PDF download or you can request to have your credit reports mailed to you. You can obtain one free credit report every 12 months through, without signing up, creating an account, or entering your credit card information. The Consumer Financial Protection Bureau confirms that is the official website that allows you to access each of your credit reports from all three of the major credit bureaus-Equifax, Experian, and TransUnion-at no cost. is the centralized site that allows every consumer to access their free credit report granted by Federal law. In 2003, a Federal law passed granting every consumer the right to a free report from all credit reporting agencies each year.

Credit report app