Check your credit instantly using Credit Karma or Experian. Credit Karma is a free service, while Experian generally charges a fee for you to use its services, as reported on their websites. However, under federal law, you can receive one free annual credit report from Experian at AnnualCreditReport.com.
After registering with Credit Karma, you receive a free credit report and get to view your credit score for free. The site then links you with applicable credit card offers based on your score, according to its website. Aside from the free annual credit report, Experian initially charges a dollar for you to view your FICO credit score and credit report. Consumers using this service are enrolled in the Credit Tracker program automatically. As of 2015, the Credit Tracker program carries a monthly charge of $21.95, according to Experian's website.