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Get Your Free Credit Score from Credit Karma

May 25, 2009 | Credit Reporting | 6 Comments

Per the Fair Credit Reporting Act you are eligible for a free copy for your credit report every 12 months from each of the three reporting agencies (Equifax, Transunion and Experian).  However, getting your credit score will cost you until now.

Credit Karma now offers a free credit score from TransUnion.  I just signed up and got my credit score of 748.  See screen show below.  Besides the credit score, Credit Karma also offers some statistics on how your credit score compares to others.

Per the screen shot below, 17% of people scored in my range of 700 to 749.  My score places me in the top 78 percentile when compared against all US consumers and is considered good.

Screenshot of Credit Karma

Credit Karma


I’m currently in the process of refinancing my mortgage and received a copy of my credit score ordered 4/15/09.  The report showed by credit score is 808 with Transunion.  So there is some discreprency with Credit Karma unless my score dropped 59 points in a little over one month.

Since Credit Karma only offers 1 credit score (from Transunion), you will have to consider a fee based service such as which gives you all 3 scores.

To get your free credit score visit  To get your free annual credit report visit

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6 Comments to “Get Your Free Credit Score from Credit Karma”

  1. Josh
    7:48 am on May 26th, 2009

    There are a ton of different models used to determine a credit score, even within the same credit bureau.

    i.e. A mortgage lender is looking for different type of credit history information than an auto loan lender, and so they receive different types of scores.

    Credit Karma uses a consumer based score.

    The number itself really isn’t very important – it’s the trending that you observe over time, and where that number puts you related to other lenders, that matters.

  2. Ann-Marie
    10:54 am on May 26th, 2009

    If you’re shy about entering your Social Security Number but are still interested in checking your credit, head on over to Quizzle gives you a free Experian credit report AND score every six months. No SS# or credit card required. Plus, Quizzle has some other valuable freebies to help you get an idea of the health of your home and money — all free.

  3. Rick Vaughn
    7:15 pm on May 26th, 2009

    Congrats, on the impressive credit scores. The commentators before explained it best.
    You never really know what your score is until you pull it. On top of that the score the banks pull is always alittle different. I wish congress would do something about this next. Hint! Hint!

    Rick Vaughn´s last blog post..Benefit of Credit Unions

  4. Josh
    12:39 pm on May 29th, 2009

    Thanks Ann-marie, but quizzle only lets you do this 2x a year? Thats just one time more than you get from

  5. Patrick
    2:57 pm on May 29th, 2009

    Josh, that maybe true, but doesn’t give you a score or rate others things such as your mortgage, budget, savings, etc. Quizzle also has various tools to help you with your finances!

  6. Get an Idea of Your Credit Score with Equifax Fee Credit Score Card | Money Cake
    12:00 pm on March 17th, 2010

    […] Other places you can get a free credit report and score is at and at […]

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