How to get your Credit Score for free - Absolutely free

I have been in Canada for about 9 years now and clearly understand the importance of Credit Score and Credit History in Canada.

I have always wished to get my credit score available instantly whenever I want for free but unfortunately was not able to get any such options. The only options I was getting with some ridiculous products being sold by my credit card companies at ridiculous prices. Also both the credit unions "Equifax" and "Trans Union" have launched their own products at a monthly fee.

But..But.. But..

We are talking about getting credit score for free and absolutely free; that too online and available at click of a mouse.

Yes !! this is possible now. Below is a list of ways to get your credit score instantly for free:

1. CreditKarma.ca

This is a website which is very popular in USA and now have extended their services in Canada too. You can create a free account on this website, provide the info to search your credit file and instantly access you credit score and full credit report online.

CreditKarma fetches your score and report from Trans Union and makes it available to you; not only this it updates/refreshes your credit score every 7 days; isn't it awesome?!!

The operating model is to suggest you financial products (Credit Card, Mortgage etc) based upon your credit profile and if you take that then they will get some money from the company whose product was sold; but website never sends you any email or pushes you to buy any products. The products just are advertised in your account in CreditKarma.

So don't wait, login and view your credit score for free.

2. Mogo.Ca

Second option to check your credit score for free is to log on to Mogo.ca; the operating model is same as CreditKarma and provides you free credit score but does not refreshes your score every 7 days.

But the awesome deal with Mogo is that it monitors your credit profile and alerts you if any suspected activity is recorded.

Also unlike CreditKarma, Mogo provides the credit score from Equifax.

3. Paper application to Trans Union and Equifax

As per Canadian Law, each credit bureau is obliged to provide full credit report to individuals on yearly basis; but that is only when you request to them through a paper mail or phone.

But why to get into these when you have these free and best methods; this probably takes the least priority item.

So, do not wait, open your computer and get your credit score.

Keep reading for more such facts.

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