9 Sites like Credit Karma for Free Credit Scores in 2023

Sites like Credit Karma for Free Credit Scores

We live in a world where our financial worth is determined by numbers. So, let’s say you want to buy a house or even buy a car and want to take a loan from the bank, the one thing you need to pay close attention to is the credit score. 

Credit score is a way that determines your eligibility for loans and also helps banks and other financial institutions assess your track record in paying back borrowed money. Now, you might think that you’d be able to track your credit score easily through your bank, right?

Well, not really. That’s where you have to rely on apps like Credit Karma, which keep a track of all your credit history and your finances so you can make better decisions when its involving money. Credit Karma is no doubt a highly functional and free website that allows you to indulge in free credit monitoring, keeping track of checking accounts, etc.

So, why would you want to look for alternatives? Credit Karma has recently run into a lot of legal troubles, especially involving user privacy. Hence, most of the users are now switching to other similar websites to keep track of their spending history.

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What are the best Alternatives to Credit Karma?

There are hundreds of online apps and websites that allow you to track your credit scores for free. So, if you are looking for websites like Credit Karma that offer a variety of features for free, we have culminated a list of the top apps for you to explore.

1. Credit Sesame

Credit Sesame

Credit Sesame was founded in 2010 and is one of the most popular credit monitoring websites. What started as a website to only help you track your credit score now allows you to keep track of multiple other services, including bank account management, transfers, etc.

However, despite the expansion, the website is still known for offering its credit monitoring service. So, if you are looking for ways to keep track of your credit score, this is where you start. If you want to use their Premium account, which is a paid version, it comes with a 7-day free trial, which you can check out first.

Their unique Sesame cash program is also a great way to indulge in a zero-fee online checking account that can help you build your credit score better.

2. NerdWallet


When talking about a free credit score monitoring website, NerdWallet is an option you won’t regret indulging in. It is one of the best platforms for financial management and enables you to manage your credit score and cash flow too.

The platform is 100% free to use and you get to make major financial decisions based on the numbers you witness on this app, which is always a good thing. You can find good recommendations for fund, credit, and debit cards to invest in.

Lastly, you can use this platform to keep track of your credit score if you are aiming to make a big purchase sometime in the future. The app is very safe and easy to use and comes with two-factor authentication, which is always a major benefit.

3. Mint


Now, don’t get confused about why we have included Mint in this list. Isn’t it for financial management and budgeting? While it is true that the app is mainly used to track your expenses, you can also use this particular app to keep track of your credit score.

The app is 100% free but offers a plethora of amazing services that you can make the most use of. What’s great about this app is that it alerts you when you make purchases or financial decisions that could negatively impact your credit score.

Besides that, you will also find alerts on identity theft, especially if someone else is taking out credit in your name. You can block such fraudulence and make wise financial decisions in your life.

4. Experian


You get free credit score monitoring from the credit bureau itself. Since Experian is one of three major credit bureaus, you can be assured that the details and the insights they are showing on their app are legit and not something made up.

Experian is 100% free to use, which is one of the reasons why it has gained the kind of popularity it has. You also get credit alerts when you use this app, making it easier for you to manage your finances accordingly.

Besides their basic free service, Experian has paid services too, if you want to unlock some of the more exclusive features. These plans are quite expensive and we won’t recommend them for normal people who only want to track their credit score and nothing else. There’s no point paying close to $30 for extra features.

5. Quizzle


Compared to all the other credit score monitoring apps, Quizzle is an option that doesn’t disappoint. What’s great about Quizzle is that its features are pretty similar to Credit Sesame, so you aren’t missing out on much. 

The primary objective behind this platform is to educate people about financials and financial decisions. So, if you want to know more about managing your credit scores, Quizzle is an app that doesn’t disappoint at all. Besides money-saving advice, even tracking your credit score on this app is free.

Like most of the other apps offering similar services, even Quizzle has a paid version, in which you have to pay a recurring fee to incur their exclusive features. The monthly credit report feature on this app is quite enticing and very informative too.

6. Credit


Credit.com is as simple to use as its name. It is a web-based credit score monitoring platform. You get to track your Experian credit score using this app. You can get started on this platform without paying a dime. Also, it doesn’t require you to have a credit card to be able to use this platform, which is always a benefit.

Besides its website version, the platform also has an app that’s compatible with both Android and iOS devices. What’s great about this platform is that it’s more than a simple credit monitoring app.

It is more of an educational app that explains finance, and credit scores and how you can make the most out of your credit scores to make good financial decisions in life. You can also set up alerts on this app if you suspect there is an identity theft situation happening.

7. CreditWise


Next up we have CreditWise, which has pretty similar features to Credit Karma. The app is owned by Capital One bank and is 100% free to use. What’s great about this app is that you don’t even need to have a Capital One bank account to be able to use the app.

The app gives you a direct idea about the TransUnion credit information so you can plan things around those numbers. All the tools are completely free in this app. Also, you get customized tips on this app to manage your finances, which is always an upside.

Since CreditWise is by Capital One bank, the platform also familiarizes you with all the different tools and banking products from their bank that you can explore as well, making things a lot more fun than you’d anticipate. It is a great way to keep a check on your money.

8. Annual Credit Report

Annual Credit Report

As generic as the name of this platform is, it is equally engaging and popular. The platform works slightly differently than the other apps we have mentioned in this list.

You get access to annual credit reports from all three credit reference agencies, including Experian, TransUnion, and Equifax. But, that’s the catch. You get to avail of these credit reports only once a year.

This is ideal for individuals who want to track their credit scores to make big purchases like buying a home, investing in commercial properties, etc. 

9. Identity Guard

Identity Guard

The primary objective of this app is to help protect people against identity theft. The platform is quite popular and is used by thousands of people globally. You can find out if someone is using your information for fraudulent practices and then report them accordingly.

What’s great about this platform is that it gives you access to three free credit score monitoring too. So, you can use this app for dual action. You can track if someone is using your identity and then you can also use it to track your credit score.

It is a great way to ensure that no fraudulent practices end up affecting your credit score in the end. Also, it allows you to make better financial decisions.


Tracking your credit score now and then is a great way to stay informed about your credit history and your financial situation. So, if you end up needing a way to invest your money in the future or take out loans, you can proceed confidently depending on how good your credit score is.

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