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My Score Direct

Check your credit scores online with a free credit score trial product. Quickly and easily compare the top rated offers using our helpful guide to understanding and obtaining your credit score. All offers include a free credit score trial. In addition, you should review our other credit monitoring and identity theft protection offerings.
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Identity Guard<sup>® </sup>Gold<br>by Identity Guard<sup>®</sup>
Experian.com

Get Your Free Credit Scores

(With enrollment in Experian Credit Tracker ℠)



  • Product Highlights
  • Experian Credit Report trial only offers 1 Bureau monitoring.
  • Experian Score with Monthly Refresh
  • ID Theft Insurance
  • Personal ID Theft Response Team

 

Checking your credit score will not hurt your credit score.

  • $1 Trial

    $1 report with 7 day trial

  • Credit Scores

    1 Score (Monthly)

  • Credit Monitoring

    Only Experian

  • ID Theft Protection

    $50,000

  • Monthly Fee

    See offer details 

     

Identity Guard<sup>® </sup>Gold<br>by Identity Guard<sup>®</sup>
Efreescore.com

Get Your Free Credit Scores

  • Product Highlights
  • Credit scores from all 3 credit bureaus.
  • Daily credit monitoring and alerts.
  • Your free credit scores delivered in just seconds.

 

Checking your credit score will not hurt your credit score.

  • Free Trial

    7 days

  • Credit Scores

    3 Credit Scores

  • Credit Monitoring

    3 Bureau

  • ID Theft Protection

    None

  • Monthly Fee

    See offer details

Identity Guard<sup>® </sup>Gold<br>by Identity Guard<sup>®</sup>
MyScore.com

Get Your Free Credit Scores

  • Product Highlights
  • Free 7-day Trial
  • 3 Beauru Report from Transunion, Experian, and Equifax™
  • Daily credit monitoring of your Equifax, Experian and TransUnion credit files and alerts to key changes

 

Checking your credit score will not hurt your credit score.

  • Free Trial

    30 days

  • Credit Scores

    1 Credit Score

  • Credit Monitoring

    3 Bureau

  • ID Theft Protection

    None

  • Monthly Fee

    See offer details

Identity Guard<sup>® </sup>Gold<br>by Identity Guard<sup>®</sup>
FreeScore360.com

Get Your Free Credit Scores

  • Product Highlights
  • Credit scores from all 3 credit bureaus.
  • Daily credit monitoring and alerts.
  • Your free credit scores delivered in just seconds.

 

Checking your credit score will not hurt your credit score.

  • Free Trial

    7 days

  • Credit Scores

    3 Credit Scores

  • Credit Monitoring

    3 Bureau

  • ID Theft Protection

    None

  • Monthly Fee

    See offer details

Identity Guard<sup>® </sup>Gold<br>by Identity Guard<sup>®</sup>
Checkmyscores.com

Get Your Free Credit Scores

  • Product Highlights
  • Credit scores from all 3 credit bureaus.
  • Daily credit monitoring and alerts.
  • Your free credit scores delivered in just seconds.

 

Checking your credit score will not hurt your credit score.

  • Free Trial

    7 days

  • Credit Scores

    3 Credit Scores

  • Credit Monitoring

    3 Bureau

  • ID Theft Protection

    None

  • Monthly Fee

    See offer details

Identity Guard<sup>® </sup>Gold<br>by Identity Guard<sup>®</sup>
Creditscorepro.com

Get Your Free Credit Scores

  • Product Highlights
  • Credit scores from all 3 credit bureaus.
  • Daily credit monitoring and alerts.
  • Your free credit scores delivered in just seconds.

 

Checking your credit score will not hurt your credit score.

  • Free Trial

    7 days

  • Credit Scores

    3 Credit Scores

  • Credit Monitoring

    3 Bureau

  • ID Theft Protection

    None

  • Monthly Fee

    See offer details

Identity Guard<sup>® </sup>Gold<br>by Identity Guard<sup>®</sup>
CreditReport.com

Get Your Free Credit Scores

(With enrollment in CreditReport.com ™)



  • Product Highlights
  • Credit scores from all 3 credit bureaus.
  • Daily credit monitoring and alerts.
  • Your free credit scores delivered in just seconds.

 

Checking your credit score will not hurt your credit score.

  • Free Trial

    7 days

  • Credit Scores

    3 Credit Scores

  • Credit Monitoring

    3 Bureau

  • ID Theft Protection

    None

  • Monthly Fee

    See offer details

  • Why Do I Need My Credit Score?

Credit and Its Importance

  • In layman's terms, your credit defines the likeliness that you will fulfill your financial obligations. Your credit is your word. It is your bond. In the eyes of creditors, it's your reputation and a defining characteristic that allows them to put a dollar figure on the amount of money they will lend to you or your organization. Just as a poor reputation may hurt your business or personal standing in a community, poor credit will damage your reputation in the eyes of banks and lending institutions.

What Items Effect My Credit Score

  • Your credit score is comprised of several key elements. These elements are outlined below.

Payment History
  • Accounts for roughly 35% of your score.
  • Pay your bills on time to keep your scores high.
  • Credit Tip: Late payments, charge-offs, and collections will have a drastically negative effect on your scores
Amounts Currently Owed
  • Based on the amount of debt you're currently have.
  • Your debt consists of credit cards, home loans, car loans, etc.
  • Credit cards generally have the most impact on your credit score.
  • Credit Tip: To maximize your scores in this section, you should keep your balances in relation to your credit limits as low as possible
Length of Credit History
  • Accounts for roughly 15% of your score
  • This category measures how long you've had credit. It does so by reviewing all of your accounts and looking at the opened dates.
  • The longer you've had credit, the more points you'll earn in this section.
  • Credit Tip: Keep old god accounts open to maximize the positive effect they have on your scores.
Types of Credit
  • Accounts for roughly 10% of your credit score
  • This category is looking for a healthy mix of accounts so
  • Credit Tip: Diversity is essential here. Having a mix of different types of accounts including credit cards, auto loans, mortgage loans, etc., will insure you do well here.
Searches for New Credit
  • Accounts for roughly 10% of your score.
  • When you apply for credit an inquiry will post to your credit report showing that you're seeking credit.
  • Too many inquiries in a short period of time can hurt you.
  • Credit Tip: Avoid excessively shopping for credit and only open a new credit account when you really need it.

 

Top 10 Reasons to Get Your Free Credit Score

  1. You could be savings 1000s of dollars in interest by knowing and raising your credit score
  2. Having a high credit score improves your chances of getting approved for a loan
  3. A low credit score may indicate an error in your credit report
  4. Your credit score affects the interest rate on your credit cards and auto loans
  5. Your credit score can give you valuable insight into the way lenders view your loan and credit card applications
  6. Consumers with a high credit score may be able to get loans with very little money down. Conversely, a low credit score will generally require that you pay more money upfront for many types of loans.
  7. Raising your credit score may help you get a lower interest rate when refinancing your mortgage. This is important because it will save you $1000s over the life of your loan.
  8. Having a high credit score may help you get a job. Many employers use this number to determine how responsible or trustworthy you are.
  9. Your auto insurance rates may be affected by your credit score. Many insurers look to your credit score to determine how responsible and safe you might be as a driver.
  10. We live in a digital world. Knowledge is power. Empower yourself by knowing your credit score.

My Score Direct is an independent matching service. My Score Direct does have a relationship with the listed merchants or brands and may receive receive a commission whenever you purchase through a link on this site. The above listed trademarks and service marks are the marks of their respective owners. My Score Direct is not affiliated with, and does not, in any way, claim to represent or own any of the represented product trademarks or rights. Trademark owners do not own, endorse, or promote My Score Direct or this in any way.

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