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Users get two free scores and reports, and the site offers additional calculators and educational tools.Credit Karma also offers weekly score updates, the most frequent of any of the sites reviewed.
It also shows applications you've made for credit, whether successful or not.
Entries generally remain on your report for seven years, although some sorts of bankruptcy can appear for 10.
There are some strings attached and if you're not careful, you can end up paying to access your credit report.
To get your "free" credit report from freecreditreport.com, you have to sign up for a trial subcription to a credit monitoring service.
It's entirely based on information contained in your report (your age, ethnicity, salary, assets and place of residence don't come into it), and is calculated by computers using highly sophisticated algorithms.