Me: Credit reports checks out fine (i.e., no surprises, just old debts)
With targeted advertising, Credit Karma (review) provides free proprietary credit scores (not credit reports, not FICO scores) and credit management tools. Its credit score are based on reports from TransUnion. The scores are on a scale of 300 to 850, same scale as FICO, but exact score are expected to slightly differ. The factors included in makeup of the credit score remains similar but weighing algorithm is different.
Me: As expected, high revolving balance (debt) is indicated as culprit in lowering my credit score to average 723 to otherwise stellar credit history.
Getting free credit reports or score will need you to verify your identity through social security number or other details. However, they will never ask you for your credit card number. If they do, they are likely duping you into enrolling one of their credit management offers that remains free for few days.