Where to get free credit reports Memphis

The score you'll get from these sites is not the widely used FICO score that lenders use when you apply for a mortgage, credit card or car loan. But if you're simply looking to improve your credit where to get free credit reports Memphis standing in 2010, these sites provide a useful snapshot of where you stand.

None of the websites mentioned here require you to enter a credit card number, which means you don't have to worry about finding surprise charges on your credit card bill. They rely on advertising for revenue, so be prepared to see a lot of ads for credit cards, mortgages and other products.

Here's what we found in our test drive of the free sites: Credit Karma (creditkarma.com). This site offers a score based on information provided by TrueCredit, a division of TransUnion. This is not the same as a FICO score, but Credit Karma will give you an idea where to get free credit reports Memphis of whether lenders consider you an excellent, average or poor risk. You'where to get free credit reports Memphis ll also get a report card grading different components of your where to get free credit reports Memphis score, such as your payment history. get free credit report now If you're working to raise your score, this will help you gauge your progress. Credit Karma CEO Ken Lin recommends checking for updates once a month. Another helpful feature on this site is the "credit simulator," which shows how various financial transactions would affect your credit. This is a useful tool if you're planning to apply for a mortgage and don't want to do anything that would hurt your score. Quizzle's score is based on information from Experian, and when you sign up, you'll also get a copy of your Experian credit report. Quizzle subscribers are eligible for an updated Experian credit report and Quizzle score every six months. Quizzle gives where to get free credit reports Memphis you grades in several categories, such as your mortgage, budget and rainy day fund. your credit check You'll receive an analysis of each category, along with suggestions on how to raise your grade. You'll also receive an overall score based on a scale of 1-100.

Unlike the other free sites we tested, you don't have to type in your Social Security number. Quizzle uses information you provide and asks targeted questions to locate your credit report, says Todd Albery, CEO of Quizzle. However, if the information you provide delivers more than one credit-report match which might happen if you have a common name you may be asked to provide where to get free credit reports Memphis a Social Security number, Albery says. Along with your credit report, you'll get an analysis of your home value and your mortgage. Quizzle is a subsidiary of Rock where to get free credit reports Memphis Holdings, which also owns mortgage lender Quicken Loans. This site's Credit Report Card tells you whether your score is bad, poor, fair, where to get free credit reports Memphis good or excellent, and how that translates into an actual credit score. For example, an "excellent" rating would mean a FICO score of 750-850.

You'll also get a grade for components of your credit where to get free credit reports Memphis score. your free credit report

You can update your where to get free credit reports Memphis credit report card every 30 days. MONEY TIPS: Get our free Personal Finance e-mail newsletter This site does a good job of breaking down the information used to develop each of your grades. For example, under "payment history," you'll get a rundown of how many late payments appear on your credit report. While credit scores and snapshots are useful tools, you should periodically review your actual credit reports for errors that could hurt your score.