Another reason to love Mint – free credit score

0 credit score 2014-09
This post may contain affiliate links that pay us when you click on them.

When logging into recently, I noticed that they’ve added another benefit to their service.  You can now get an Experian credit score for free once every 3 months. credit score 2014-09

What is is a free service that allows you to check the balances of almost all of your online accounts (bank, brokerage, mutual fund, credit cards, mortgages, auto loans, student loans, etc.) in one place.

It also helps you create a budget, set goals, and identify trends based on the transaction data that it downloads from the various financial institutions.

There is an online portal and a smartphone app, so you can stay up to date multiple ways.  Plus, the first week of each month, you’ll receive an email of your financial summary showing the balances on your accounts as of the end of the previous month.

How do I get my free credit score?

If you haven’t already signed up for this free service, open your online account at

Once you’ve logged into your account, right below your Alerts, there will be an offer to sign up for’s free credit score. free credit score


After you sign up, you will be required to verify some information to protect your identity.  Then, you credit score will be provided, along with some additional information.

What other information is provided?

In addition to providing your credit score, some valuable information showing factors that go into your score are shown.

  • Credit card usage – how much of your lines of credit have you used, total credit card debt vs. limits
  • Payment history – percent of on-time payments and how many late payments
  • Age of credit – average age of accounts and your youngest vs. oldest account
  • Total accounts – how many total and how many are open vs. closed
  • Credit inquiries – the total inquiries showing and the youngest vs. oldest
  • Derogatory marks – total and how many are public records vs. collection accounts

In each of these categories, there are also graphs showing how you stand compared to the general population.


At the end, they will offer you to sign up for a credit monitoring service which provides monthly reports and alerts from all 3 bureaus for $16.99 per month.  I wouldn’t recommend this… personally, you are better off using free tools such as this, combined with the 3 free credit reports you get from the government mandated to effectively monitor your credit.  Then, you can take that $200 a year and pay down debt or contribute to your emergency savings or retirement accounts.


Join the newsletter to stay up-to-date with the latest news, specials, promo codes, and interesting stories about personal finance.

Liked it? Take a second to support BaldFinance on Patreon!


Please enter your comment!
Please enter your name here

This site uses Akismet to reduce spam. Learn how your comment data is processed.