How To Check Your Credit Score for Free in 2025

Learn how to check your credit score without paying for it.

Last updated May 11, 2025

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Your credit score is a numeric representation of how you use credit. Lenders use your credit score to get an idea of how likely you are to repay a loan or meet another financial obligation. By checking your credit score, you can deduce whether a financial services company feels that you’re a “good” risk — before you submit a credit application.

In some cases, you might need to pay to see your credit score. However, there are several ways to get your credit score without paying for it. Here’s what you need to know about your credit score, how to check it for free, and the best credit monitoring services available.

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In this article

Why you should check your credit score
How to get your credit score
How to get a free credit report
FAQs
Bottom line

Why you should check your credit score

Staying on top of your credit score can help you determine your creditworthiness and whether you might qualify for specific financial products and services. For example, lenders often set a minimum credit score for an applicant to be eligible. If you do a credit check ahead of time, you’ll have a better idea of whether you’re likely to qualify for the best possible rate and whether you’re likely to get the mortgage in the first place.

Also, checking your credit score can help you catch identity theft or potential fraud. Monitoring whether your credit score is going up or down can alert you to red flags. For example, if your score suddenly drops, you can look deeper to see what credit activity may have caused it. If you look at your credit report, you might see a fraudulent account opened in your name. Unexpected swings in your credit score can indicate identity theft or other issues.

As you check your credit score, it’s important to understand that you don’t have just one score. You actually have several scores that are based on the scoring model being used, as well as the source of the information. Credit scores are determined by the criteria in your credit report. However, not every creditor communicates with all credit reporting agencies, so some information might differ slightly, resulting in a different score. When looking at your credit scores, you might want to check various sites to get an idea of how lenders and other financial service providers might see you, based on the different information they have been provided.

VantageScore vs. FICO score

VantageScore and FICO are two different companies that offer credit scoring models. VantageScore was developed by the three major credit bureaus — Equifax, TransUnion, and Experian. Each scoring model weighs information differently and even accounts for different data.

VantageScore looks at six factors and rates them as extremely, highly, moderately, or less influential. FICO relies on five factors, each making up a percentage of the score.

How to get your credit score

You can get your credit score for free using different methods. Sometimes, when you sign up for a “free” score, you might also be signing up for a paid credit monitoring service. Be sure to read the fine print if you decide to look up your free credit score.

Get your credit score from a free credit score service

Free credit score services can provide a version of your credit score based on information from a specific credit bureau.

For example, Credit Sesame offers a free service that bases your credit score on the TransUnion VantageScore 3.0. Credit Karma shows you two VantageScores: one from Equifax and one from TransUnion.

When you sign up for a free credit score service, they pull information from a credit report and apply it through a credit scoring model. You can then see your score, understand what’s impacting the score (like your credit history), and be provided with actions you can take to improve your score. These free credit score services often provide access to different products and services, such as credit card applications and personal loans.

Get your credit score from the major credit bureaus

You can also get your credit score from one of the major credit card bureaus. In general, you might have to pay to see your credit score based on the information in your credit report. However, Experian allows you to see your score for free along with your credit report and your FICO score, which is rare. If you want to know your credit scores from all three major bureaus, you must pay for an “upgrade.”

Another way to get your free credit score comes after you receive an “adverse action,” such as being denied for credit or ending up with a higher interest rate. If a credit score was used to determine the action, the service provider or lender must send you an explanation letter within 60 days and share the report used to make the decision, along with your credit score.

Get your credit score from your credit card company

You might also be able to get your credit score for free from your credit card company.

For example, Capital One offers CreditWise, available to everyone for a fee. However, you can see your score from your account page if you have a Capital One card. Capital One uses VantageScore from TransUnion. Discover card members can also see their credit scores on their credit card statements. This score is the FICO, based on data from TransUnion.

If you have a different credit card, you can see your score if the issuer offers that perk. While it likely won’t be a score based on data from all three bureaus, it can still help you monitor your credit score and see whether it’s trending higher or lower.

How to get a free credit report

A credit report is a history of your interactions with different types of debt. It lists your credit accounts and balances, and whether you pay on time each month. That information is then used in the scoring models to determine your score.

It’s important to note that credit reports don’t include your credit score. So, while you can see information about open accounts and how you’ve handled them, you probably won’t see your credit score as part of your credit report. The easiest way to access one or two credit scores is to sign up for a free credit monitoring service. The easiest way to access your credit scores from all three bureaus is to sign up for a premium credit monitoring service like Aura.

Get your credit report from AnnualCreditReport.com

U.S. law allows you to get a copy of your credit report from each major bureau once a year. You can go to AnnualCreditReport.com to get a free copy. In the past, consumers had to get creative and would often request a report from one bureau every four months. However, since the pandemic, the annual credit report website offers consumers access to their free credit reports weekly.

Get your free weekly credit reports from annualcreditreport.com

Get your credit report from the major credit bureaus

Again, you might be able to get a copy of your credit report from the major credit bureaus. Depending on the situation, you might get a free copy when you sign up for other services, such as credit monitoring, or if you get a free trial of another service offered by the credit bureau.

FAQs

How to check my credit score without affecting it?

Any time you check your own credit score for informational purposes – which is known as a soft inquiry – it won’t impact your score. Your credit score is impacted only if you’re applying for credit or some other financial service that checks your credit, which is known as a hard inquiry. With those credit inquiries, you might see your score affected. Using a credit monitoring service is one way to check without impacting your score. However, applying for a credit card to see if you're approved would temporarily ding your score and is not the best way to find out if you have good credit.

Is AnnualCreditReport.com safe?

Yes, AnnualCreditReport.com is safe. By law, consumers are entitled to receive each credit report from the three major bureaus for free annually, and this is the official website to do that. However, since the pandemic, you can request copies of your credit reports weekly to help catch and stop identity theft.

How often should I check my credit score?

How often you check your credit score depends on your situation. It can be a good idea to check at least a few times a year just to get an idea of whether your credit is improving. Checking your credit score can also alert you to identity theft and give you time to file a credit report dispute to get it fixed. It also might be a good idea to check before you make a major purchase, like a home, to see how likely you are to be approved.

How do I know if my credit score is good?

Credit score ranges usually run from 300 to 850. The higher the credit score, the better your creditworthiness appears to lenders. According to Equifax, Experian, and TransUnion, a credit score between 670 and 739 is considered good, and a score higher than 740 is very good. These ranges are based on the VantageScore 3.0 model.

Bottom line

We conducted a survey and found that 1 in 4 Americans haven't checked their credit in the last year. Checking your credit score can help you gauge whether you can get new credit card offers or favorable terms for various financial products and services. By checking your credit score using free resources, such as your credit card statement, consumer credit score websites, and credit reporting agencies, you can keep tabs on your situation and review accounts if you’re afraid your identity has been stolen.

Based on in-house testing and personal experience, we recommend using Aura credit monitoring services to access your credit scores from all three major bureaus in tandem with Experian free credit monitoring to track your FICO score.

4.8

Editorial Rating

On Aura Identity Theft's website

Identity Protection

Aura Identity Theft

Save up to 68%

#1 rated ID theft protection service with a full suite of monitoring tools
Includes up to $1 million in ID theft insurance for up to five adults
Protect your children with robust parental controls and gaming alerts

Author Details

Miranda Marquit

About the Author

Miranda Marquit has been a freelance writer since 2005. While she primarily covers financial subjects, she has also covered technology, particularly internet trends. In addition to writing, Miranda is an avid podcaster. She is the co-host of the Money Talks News podcast, which covers a wide range of subjects related to money, including how to spot and avoid scams and how to invest in emerging technology. When not writing and podcasting, Miranda enjoys reading, traveling, and spending time outdoors.

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