American Express just sent out mass emails to all their cardholders about getting a credit score and report for absolutely free for 30 days. There are no strings attached since it’s set to automatic cancellation. Those with an AmEx card, login into your account first, and go through this special link.

Here’s the email:

Dear XXXXXXX,

Congratulations! You are now eligible to receive your annual complimentary Credit Score and Report, exclusively for American Express ® Cardmembers.

Log in now to see My Credit Score and Report

With this valuable benefit, you will be able to:

* Ensure that the information on your Credit Report is accurate and up-to-date
* Find out if anyone else has viewed your Credit Report
* See how information in your Credit Report affects your Credit Score

With such great complimentary benefits, it’s easy to stay on top of your personal credit information.

Want a more comprehensive look at your credit? By enrolling in CreditSecure® you’ll get:

* Unlimited access to your 3 national credit reports and scores
* 3-Bureau daily monitoring
* e-mail alerts of key changes to your credit activity.

To get the complete picture, enroll in CreditSecure at: www.americanexpress.com/mycreditsecure.

Sincerely,

Customer Care

You must be a new customer in order to get it free for 30 days. No need to be reminded to cancel which is absolutely great. More info on their free credit report and score FAQ.

American Express Premier Gold $150 Bonus

The American Express(R) Premier Rewards Gold Card is currently offering 15000 bonus points = $150 gift cards after $1000 in spending in your first 3 months. You can order coins to fulfill this promotion to do this quickly. This offer is a quick easy way to make $150 bonus. There is no fees for first year, so I would cancel the card before the anniversary if you don’t find it useful.

Offer Details:

1. Earn 15,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership. MR points are very versatile, and can be converted to 15,000 frequent flier miles in a number of programs (or 10 Southwest credits), or you can simply get $150 in gift cards at several stores like Home Depot, Crate & Barrel, or Macy’s. I think you can also get cash equivalents at a reduced ratio.
2. Offers 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else.
3. Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year.
4. No annual fee for your first year. After that it is $175.

You all know that using a credit card, building your credit limit, and paying your balance on time build up your credit score. It’s always a good idea to check up on your credit score every now and then. Well, there is a free service out here called Credit Karma. It allows to check your Transunion credit score for absolutely free. No credit card sign up and no cancellation requirement. However, this is not the real FICO score, but it gives you a good estimation of where your FICO credit score is.

Simply sign up through the link , which is completely free for credit score approximation. You will need to give up some personal information such as Social Security in order to access your credit report. Credit Karma stands out in their comparison tools. The visual presentation compares you nationally with your age group, location, etc.

Again, this is completely free, and there is simply no trial here. You check as often as you want, and it doesn’t hurt your credit score. Although you may just check your score once a month since the score will only be updated monthly.  Finally,  play with the credit simulator to see how you could raise your credit score within your account.

Some important notes:

It’s not a real FICO credit score. If you want a real FICO score, you can still do it free under a 30 days free trial from MyFico. You would need to cancel within 30 days in order to get it for free.

If you only want to look at your credit report and not your credit score, then simply visit annualcreditreport.com from the government for a complete free report of your credit history.