They say that nothing is truly free, but when it comes to getting your credit scores through legitimate sites, it comes pretty close.
Tracking your credit report and your credit score can make a huge difference in the decisions you make when shopping around for auto loans in St. Louis, or deciding whether you can afford to finance a more-expensive car or just buy a cheaper car in cash. A lower credit score means higher rates (and more interest in the long run) so knowing what kind of score you've got--and what your credit history looks like--can make your choices a lot clearer.
Get your credit score online for free any time, and get your free credit report annually, to be smarter about credit and financing.
Best Free Credit Report Option
Thanks to the Fair Credit Reporting Act, you're entitled to your total credit report once per year, from all three major agencies and for free, through AnnualCreditReport.com. All you have to do is answer some questions about your past finances, and you'll get up-to-date information about all of your accounts.
You can choose to receive each report (from Experian, Equifax, and TransUnion) separately so you can track your credit health over many months, or you can get them all at the same time.
Great Free Credit Score Options
Your government-mandated annual credit report may be the most thorough option, but you don't have to wait a whole more year to get the information that's going to help you with your finances. Websites like Credit Karma, Credit Sesame, and Quizzle all offer free, easy-to-use systems that deliver credit scores that are as accurate as possible to what lenders will see.
The only way to exact credit scores is to pay Experian, Equifax, or TransUnion for the info, or to make a hard inquiry that will cause your score to go down slightly--and you don't want to do that every month!
Free Trials for Credit Report Check
If you're really invested in keeping close tabs on your credit and how your accounts are faring, it may be worth it to seek out a paid credit checker. Many websites will offer a free trial to let you test out the service before you buy, but you'll likely still need to put in your credit or debit card info to qualify for the trial. Two of the most popular options for credit score and information management are Identity Force (free trial for 14 days), and Identity Guard (free trial for 30 days).
Bad Credit? No Credit? You Got It!
No matter what's on your credit report, or what your score is, we want to work with you.
AutoCenters St. Charles has helped hundreds of drivers in the greater St. Louis area get the auto loan they need, even with bad or no credit. Go online today to take advantage of our 60-Second Loan Pre-Qualification Process, and you can see how easy it can be to get into a new vehicle.
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Bad and No Credit Car Loans
