credit

How to get a free credit score

Credit Karma
Credit Karma

What you get: A real score from TransUnion, based on your credit report with that credit reporting agency. It is not a FICO score, but a TransRisk score from TransUnion. TransRisk scores run from 100 to 900.

Subscribers also get access to a credit report card, which assigns a letter grade to the consumer's performance in five categories, such as percent of on-time payments. It also shows you how your performance compares with that of other Credit Karma members. Consumers also get access to a credit score simulator, which lets you gauge the impact to your score if certain changes hit your credit report, such as a 30-day delinquency. CEO Ken Lin says that to come up with the score change, the new information is run through the TransRisk scoring model.

Consumers don't get a full TransUnion credit report. For a free and complete credit report, go to AnnualCreditReport.com.

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