What's your credit score? Here's how to check it online | finder.com
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Check your credit score

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Control your borrowing power by knowing where to check your credit score and keeping an eye on it.

Your financial history as a borrower is documented in your credit report and your credit score is calculated using that information. Lenders can use this score — along with your report — to assess the risk involved in lending to you.

Keeping tabs on your credit score can help keep your financial reputation in check and improve the chances of an application being approved. And by checking your credit report regularly, you’ll have a full overview of your credit history.

Details Features
Get quarterly access to your most widely used FICO® Scores and a 3-bureau credit report
  • Get quarterly access to your most widely used FICO® Scores
  • Credit report change alerts
  • FICO® Score analysis
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Experian Credit Report
Experian Credit Report
Get your credit report and FICO score for just $1 with enrollment in Experian CreditWorks credit monitoring. Cancel anytime.
  • 3 credit reports
  • Track your FICO® score
  • Easy to use dashboard
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TransUnionCredit Report
TransUnionCredit Report
TransUnion credit score, monitoring and identity theft insurance.
  • Unlimited updates to your TransUnion credit score
  • Up to $1,000,000 in identity theft insurance
  • Personalized debt analysis
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Equifax Business Credit Monitor
Equifax Business Credit Monitor
Monitor your key business relationships to protect your company from losses.
  • Bankruptcy Alert
  • Derogatory Alerts
  • New Inquiry Alert
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$1 for a seven-day trial to get access to your credit score and credit report from TransUnion.
  • Credit reports from all 3 bureaus
  • Email alerts when your credit report changes
  • Up to $1,000,000 in identity theft insurance
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Details Features
Self Lender — Credit Builder Account
Self Lender — Credit Builder Account
The first nationwide savings plan that builds credit.
  • No hard credit inquiry. Self Lender uses a ChexSystems inquiry to approve customers.
  • Available in all 50 states.
  • It typically takes 60 days for new accounts to appear on credit reports
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The Credit People
The Credit People
The Credit People work with you to clean up your credit and raise your credit scores. Cancel anytime.
  • 7-day trial for $19
  • Get access to your credit reports
  • Most customers see results within 2 months
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Repair your credit online with CreditRepair.com or call directly 855-897-9466.
  • Repair your past
  • Monitor your present
  • Build your future
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Debt.com and Power Wallet have the tools to help you manage your money.
  • Get answers
  • Calculators & free budget tools
  • Self help
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CuraDebt: Tax Debt Relief Free Consultation
CuraDebt: Tax Debt Relief Free Consultation
FREE consultation 877-797-0209. 100% confidential. OBB member in good standing.
  • Get your free saving estimate
  • Experience of more than 15 years nationwide
  • Member of online business bureau in good standing
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The Credit Pros: Legal Credit Repair
The Credit Pros: Legal Credit Repair
We believe that fast credit repair is a personal issue that demands personal attention.
  • Help force the deletion of erroneous credit damage
  • Provide practical, honest credit advice when you need it
  • Help you set realistic, reachable credit goals
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Lexington Law Credit Repair
Lexington Law Credit Repair
Call now for a FREE credit report summary & credit repair consultation.
  • Remove incorrect listings from your file
  • Find out what is in your credit file
  • Personalized services
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Professional credit repair service that can help you create a step by step action plan. Pay as you go and cancel anytime.
  • Free credit consultation
  • Over 15 years of credit repair experience
  • Get help optimizing your credit file
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How do I check my credit score?

You have a few options when it comes to seeing your credit score.

  • Check with your credit card issuer, bank or lender. An easy way to see your credit score is by doing business with a financial institution that provides you with your score each month. You can find your score on your monthly credit card statement or by logging into your online account. Many major providers have begun to provide scores on your bill and online.
  • Buy from a credit scoring service. Other options include submitting a request to a credit score service. Some services require that you sign up for a monthly subscription service, while others require a one-time fee.
    • MyFICO. FICO provides customized calculations of your credit history to lenders based on loan need, for example mortgages or car loans. You cannot buy these customized FICO scores, but you buy your score calculated with a general FICO model. Access to a one-bureau FICO Score and credit monitoring starts at $19.95 a month, whereas $58.85 gives you access to a three-bureau report and score. Annual subscriptions are also available.
  • Purchase from the credit reporting bureaus. You can go direct to Experian, Equifax and TransUnion and buy your credit score and report in a package.
    • Experian CreditWorks. Experian allows you to view a score based on the FICO Score 8 model — plus your credit report — for $24.99 a month.
    • Equifax. You can get access to your credit report and score based on the Equifax Credit Score model for 30 days for $15.95
    • TransUnion. For $19.95 a month, TransUnion will provide you unlimited access to you credit score based on the VantageScore 3.0 model and your credit report.
  • Nonprofit credit counselors. To assess your credit situation, counselors will have to pull your credit report and credit score in order to go over areas of improvement with you.

Keep in mind that you have more than one credit score and your score will vary by the company you request it from.

Can I get my credit score online for free?

Yes. There are many informational finance websites that’ll be able to provide you with a free credit score, however, the score that most of these websites show are your VantageScore and not your FICO score.

So while getting your free credit score online can give you a ballpark of what your credit rating is, knowing your FICO score is most important because that’s the one most lenders use when weighing your credit application.

  • Get your FICO score for free

Discover allows everyone to check their FICO credit score which is based off of data from Experian — customer or not.

  • Get your VantageScore 3.0 for free

Capital One lets anyone access their free VantageScore 3.0, which is derived from TransUnion, and updates your score once a week.

    Do I need to check my credit report as well as my credit score?

    It’s good practice to review your credit report annually to confirm that lenders see the most accurate picture of your financial health.

    Because your credit report is directly affiliated with your credit score, not knowing what’s on your credit report could lead to unknown erroneous information weighing your credit score down.

    Get my credit score

    FICO score vs. VantageScore credit ratings

    Lenders and even the bureaus weigh the information in your credit history differently, but they’ve widely adopted two scores: FICO Score and VantageScore. Both weigh the same factors when determining your credit score, including how long you’ve had credit, your payment history, your credit utilization ratio and how many loan and other types of credit you carry.

    Today, FICO Scores are used in 90% of credit decisions, which makes it a good barometer of how potential lenders might see you when determining approval.

    Credit ratingFICO ScoreVantageScore
    Very good
    579 or lower
    600 or lower


    Adrienne Fuller

    Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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