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Start with your credit card issuer or lender: sign in to your account or check your monthly statement for a score. Many lenders provide one to customers at no charge. Then check your credit reports separately at AnnualCreditReport.com to see the underlying information. A report is not a score, and a free score may not be the one a lender uses for a particular decision.
Where can you get your credit score?
Check an existing lender account first
Look in the online account for a credit card issuer or other lender, or review your monthly statement. Many major card companies and lenders provide customers a score at no charge. The exact score offering, update schedule, model and credit-reporting data source depend on the provider, so check its explanation of the score.
Consider a score service or counselor
Some third-party services offer scores, but “free” may mean that a trial later renews as a paid subscription. Before enrolling, check whether payment details are required, when billing begins, the recurring price and how to cancel. Some nonprofit credit counselors and HUD-approved housing counselors can often provide a free report and score and help explain them. Ask what is included and whether there is a charge.
For example, Experian advertises a free FICO Score 8 and report. It also notes that a lender or insurer may use a different FICO score or another type of score; that is an example of one vendor’s offer, not a description of every free-score service. Experian’s offer and score details.
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How to check your score and the information behind it
- Sign in to your card or lender account. Look for a credit score in the account dashboard or review your statement.
- Record what the score represents. Note the date, score model or brand if identified, and which credit-reporting company’s file was used. If those details are not shown, look for a score explanation or ask the provider.
- Get your credit reports separately. Request them online through AnnualCreditReport.com. The Consumer Financial Protection Bureau (CFPB) says free online access is available weekly from Equifax, Experian and TransUnion. The reports obtained there do not themselves include a credit score.
- Review each report for errors. Look for accounts you do not recognize, incorrect personal information, late payments reported inaccurately, closed accounts shown as open, and duplicate entries.
- Dispute incorrect or incomplete information. Contact the credit-reporting company and the business that supplied the information, following the instructions for disputes. CFPB guidance says the investigation must be reasonable under the Fair Credit Reporting Act and is free; filing a dispute does not guarantee that the information will be changed.
- Check subscription terms before signing up elsewhere. Confirm whether a free trial converts to a recurring plan, the billing date and the cancellation method.
What a credit score tells you—and why scores differ
A credit score estimates credit behavior using information in credit reports. The CFPB describes it as a prediction of behavior such as the likelihood of repaying a loan on time. Creditors may use scores when deciding whether to offer credit and what rates, limits or terms to offer. Most scores range from 300 to 850, but scoring companies can use different ranges. CFPB: What is a credit score?
There is no single universal score. A score can vary because the scoring formula or model differs, the credit-reporting company’s file contains different information, the product being considered calls for a different score, or the score was calculated on another date. A score from your card account is useful for following the model and file it reflects, but it may not match the score used for a mortgage, auto loan or other decision.
Does checking your own credit report hurt your score?
No. Looking at your own report is not an application for new credit and does not affect your score. The CFPB recommends reviewing reports because inaccurate information can harm a credit history or score. CFPB: Does checking my credit report hurt my score?
How often can you get a free credit report?
CFPB guidance says consumers can request free online reports weekly from each of the three nationwide credit-reporting companies through AnnualCreditReport.com. Federal law separately entitles consumers to one free report every 12 months from each company. The CFPB also says Equifax offers up to six additional free copies every 12 months through December 31, 2026; this is a time-limited offer, so verify current terms with the CFPB or Equifax before relying on it. CFPB: How do I get a copy of my credit reports?
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What to do if you find an error
Dispute an inaccurate or incomplete item with both the reporting company and the company that furnished it. Use the dispute instructions provided with your report and keep copies of your submission and supporting documents. Under the Fair Credit Reporting Act, the companies must conduct a reasonable investigation at no charge. A credit-repair company is not required to submit a dispute, and an investigation does not guarantee that a disputed item will be removed. CFPB: How do I dispute an error on my credit report?
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