138+ Places You Can Get Your Credit Scores for Free

138+ Places You Can Get Your Credit Scores for Free

138+ Places You Can Get Your Credit Scores for Free

If you have never tried to check your credit scores, you can’t use the excuse that you don’t want to pay to see them. There are more than 130 websites, banks, and credit unions where you can get your credit score for free. Some offer them to the general public, while others show them only to customers. With that many options, there’s no reason not to know where your credit stands.

Before You Check Your Credit Scores…

Keep in mind there are three major consumer credit reporting agencies, and the services below usually offer scores based on the data provided from one (sometimes two) reporting companies. (Note that when it comes to business credit scores, Nav is the only source currently providing free business and personal credit scores.)

Additionally, there are a variety of credit scoring models used to produce credit scores. Websites that display free VantageScore credit scores will generally provide the latest model in use, currently VantageScore 3.0. But among those showing FICO scores, there are several different models of FICO scores that may be shown. 

That’s why it’s important to pay attention to the fundamentals of good credit and ensure you’re making an apples to apples comparison if you opt to track more than one credit score. If a credit score from one site shows you have a 650 and a different site shows you have a 700 score, it doesn’t mean one is necessarily wrong—the models may have different scales, be based on credit utilization data from different credit bureaus (which may have different information about you), or could weigh certain credit scoring factors differently.

Can You Even Get Your Score?

In order to check your credit score, you may be required to answer security questions to verify your identity and to make sure you are getting your own credit score, and not someone else’s. You may not be able to instantly receive your score if you fail that process (called “authentication”). In addition, you will likely not be able to get your score if you:

  • Are not a U.S. citizen or resident of the U.S. or its territories with a Social Security number
  • Are under 18 years of age
  • Have no credit history (credit accounts that report to major credit bureaus)
  • Are not the primary account holder (in the case of scores provided to customers by credit card companies or financial institutions). Some financial institutions limit free scores to those with individual accounts.

Where You Can Get Your Credit Score for Free: The Definitive List

We’ve listed the best places to get your free credit score in alphabetical order so you can quickly scan to see if your financial institution or website of choice is listed here. We are not paid to include any of these companies on our list; we just wanted to create a definitive reference list and handy tool to help you in checking your credit scores.

In some cases, it can be difficult to determine details of these offers, including which credit report was used to supply the data, and which credit score(s) these sources show. Where available, we’ve shared that information here.

(Editor’s Note: Many of the major credit issuers are partners of Nav, but this does not result in any preferential editorial treatment.)

Amazon Store Card

Available to credit cardholders

TransUnion / VantageScore

American Express

Available to anyone, not just credit cardholders

TransUnion / VantageScore 3

Bank of America

Available to credit cardholders

TransUnion / FICO

BarclayCard

Available to credit cardholders

TransUnion / FICO

Capital One

Available to anyone

TransUnion / VantageScore 3.0

Chase Journey

Available to anyone

TransUnion / VantageScore 3.0

Chase Slate

Available to credit cardholders

TransUnion / VantageScore 3.0

Citi

Available to select credit cardholders

Equifax / FICO Bankcard Score 8

Citizen’s Bank

Available to credit cardholders

Equifax / FICO

Commerce Bank

Available to credit cardholders

TransUnion / FICO Bankcard Score 9

Core Credit™ by Equifax

Available to anyone

Equifax and VantageScore 3.0

CreditKarma

Available to anyone

Equifax and TransUnion / VantageScore 3.0

Credit.com

Available to anyone

Experian / VantageScore 3.0

Credit Sesame

Available to anyone

TransUnion / VantageScore 3.0

Discover

Available to anyone

Experian / FICO 8

Experian Freecreditscore.com

Available to anyone

Experian / FICO

First Bankcard*

Available to credit cardholders

Experian / FICO Bankcard Score 9

Grow Credit

Available to customers

Experian and Equifax / FICO 

HSBC

Available to credit cardholders

Equifax / FICO

LendingTree

Available to anyone

Experian, Equifax, and TransUnion / VantageScore 3.0

Mercury Card

Available to credit cardholders

Unknown bureau / FICO

Merrick Bank

Available to credit cardholders

Experian or TransUnion / FICO

Mint

Available to anyone

Experian / VantageScore 3.0

Nav

Available to anyone

Personal: Experian and Transunion / VantageScore 3.0

Business: Equifax, Experian, Dun & Bradstreet / Delinquency score, Intelliscore, and Paydex

NerdWallet

Available to anyone

TransUnion / VantageScore 3.0

Ollo

Available to credit cardholders

Bureau unknown / FICO

Payoff

Available to customers

TransUnion / FICO 8

PNC Bank

Available to credit cardholders

Experian / FICO

Rakuten Visa

Available to credit cardholders

Equifax, Experian, and TransUnion / VantageScore 4.0

Rocket HQ

Available to anyone

TransUnion / VantageScore 3.0

SallieMae

Available to credit cardholders

TransUnion / FICO 8

Self

Available to customers

Experian / VantageScore 3.0

SunTrust

Available to credit cardholders

Equifax / FICO Bankcard Score 8

Union Bank

Available to credit cardholders

Experian / FICO Bankcard Score 9

US Bank

Available to online banking customers

TransUnion / VantageScore 3.0

WalletHub

Available to anyone

TransUnion / VantageScore 3.0

Walmart

Available to credit cardholders

TransUnion / FICO Score 8

Wells Fargo

Available to online banking customers

Experian / FICO 9

WisePiggy

Available to anyone; partnered with Credit Sesame for credit score

TransUnion / VantageScore 3.0

*First Bankcard works with some 250 banking and co-brand partners that may extend this program to their customers. Examples include New York Life Insurance Company, Scheels All Sports, Overstock.com, and Sheetz, among others.

Many Credit Unions Offer Free Credit Scores

In partnership with FICO’s Open Access program, a number of credit unions (along with several of the banks listed above) offer free FICO scores. In addition, other credit unions have partnered with Credit Sense by SavvyMoney to provide credit scores. These show VantageScore scores based on TransUnion credit data.

Note that these free scores may be available only to certain customers such as online banking customers, or to credit cardholders.

Credit Unions Offering FICO

  • 1st United Credit Union
  • Affinity Federal Credit Union
  • America First Credit Union
  • American Heritage Credit Union
  • Baxter Credit Union (BCU)
  • Chevron Federal Credit Union
  • Community Credit Union Florida
  • Digital Federal Credit Union
  • DuPont Community Credit Union
  • Elements Financial
  • Fairfax County Federal Credit Union
  • Farmer’s Insurance Federal Credit Union
  • Firefighters First Credit Union
  • Franklin Mint Federal Credit Union
  • Fortera Credit Union
  • Forum Credit Union
  • Freedom Credit Union
  • General Electric Credit Union
  • Healthcare Systems Federal Credit Union
  • Harvard University Employees Credit Union
  • Interra Credit Union
  • Keypoint Credit Union
  • Langley Federal Credit Union
  • Listerhill Credit Union
  • Los Angeles Police Credit Union
  • Mass Mutual Federal Credit Union
  • Michigan State University Federal Credit Union
  • Mill City Credit Union
  • Mountain America Credit Union
  • Mutual Security Credit Union
  • NASA Federal Credit Union
  • NatCo Credit Union
  • Navy Federal Credit Union
  • Northrop Grumman Federal Credit Union
  • NSWC Federal Credit Union
  • PenFed Credit Union
  • Polish & Slavic Federal Credit Union
  • Premier America Credit Union
  • PSECU
  • USF Federal Credit Union
  • Robins Financial Credit Union
  • Sharonview Federal Credit Union
  • Signal Financial Federal Credit Union
  • SkyPoint Federal Credit Union
  • Stanford Federal Credit Union
  • Star One Credit Union
  • State Employees’ Credit Union
  • TrueCore Federal Credit Union
  • TruMark Financial
  • Whatcom Educational Credit Union

Credit Unions Offering VantageScore

  • Advantage One Federal Credit Union
  • American Airlines Credit Union
  • Anoka Hennepin Credit Union
  • Capstone Federal Credit Union
  • Caro Federal Credit Union
  • CODE Credit Union
  • Community Service Credit Union
  • Complex Community Federal Credit Union
  • Conservation Employees Credit Union
  • Credit Union 1
  • Credit Union Advantage (CU Advantage)
  • Dupaco Community Credit Union
  • Houston Metropolitan Federal Credit Union
  • Kemba Indianapolis Credit Union
  • Midcoast Federal Credit Union
  • One Community Federal Credit Union
  • One Nevada Credit Union
  • Oswego County Federal Credit Union
  • PCM Credit Union
  • Sea West Coast Guard Federal Credit Union
  • Space City Credit Union
  • Spokane Teachers Credit Union
  • State Department Federal Credit Union
  • Susquehanna Valley Federal Credit Union
  • T&I Credit Union
  • Target Corporation Credit Union
  • Technology Credit Union
  • Town and Country Federal Credit Union
  • Tulsa Federal Credit Union

Financial Counseling Programs Offering Free Scores

Here’s a list of counseling agencies that provide free FICO scores to clients:

  • Ariva.org
  • Capital Good Fund
  • Center for Changing Lives
  • Compass Working Capital
  • Consumer Credit Counseling Service of Buffalo, Inc.
  • Consumer Credit Counseling Service of Savannah
  • Consumer Credit of Des Moines
  • Economic Opportunity by Janus
  • Financial Pathways of the Piedmont
  • Guidewell Financial Solutions
  • Housing and Credit Counseling Inc.
  • Justine Petersen
  • La Casa de Esperanza, Inc.
  • Navicore Solutions
  • Northwest Access Fund
  • Oakland Planning and Development Corporation
  • One Treasure Island
  • Operation Hope
  • Wings for Women and Families
  • Women’s Employment Network

Want to Dig Deeper?

When you get your credit scores or your credit report, you may have questions like the following

My credit scores are different; why?

You don’t have a single credit score; you have many. The actual number can vary depending on which credit bureau provided the information used to create the score, the score that was used (FICO 9 or VantageScore 3.0, for example), and even the date the credit score was calculated. Always pay attention to which credit reporting agency data is used and understand the credit score range (300 – 850, for example, or 0-100 in the case of some business credit scores). Beyond that, though, don’t get too hung up on a particular number. Instead, focus on the factors affecting your scores, and see if there are areas where you may be able to do better.

Which credit score is best to check?

There is no single “best” source of credit scores or one credit score that’s the best either. Lenders may use different credit scores and may work with one or more of the major credit bureaus to purchase those scores. Generally, it’s a good idea to make sure your credit reports are correct and up-to-date by checking with all three major consumer credit reporting agencies (Equifax, Experian, and TransUnion). If you are a small business owner, you’ll also want to monitor your business credit with agencies such as Experian, Equifax, and Dun & Bradstreet.

Learn more: Experian business credit report

How often do my credit scores change?

Information in credit reports can change any time a lender provides new data to the credit reporting agencies. (Many update information on a monthly basis but the actual date can vary.) In addition, credit reports and scores are created when someone requests them. So the credit score you see today could be different than the one you see next week or next month if the information that goes into that report has changed. That’s why regular credit monitoring is a good idea, at least monthly.

Which credit score will my lender use?

Lenders can choose from a variety of credit scores, including business and/or personal credit scores, and they can choose which credit reporting agency they get them from. Lenders don’t usually reveal this information, though a few are transparent about it. However, there are a number of forums (see below) where applicants discuss their experiences applying for credit.

You can also learn more on forums and sites that discuss free credit scores, including more details about individual scoring models. Individuals may also share which credit scores were used when they applied for credit: CreditBoards, MyFICO Forums, and Reddit.

What other information can I get with my credit score?

Many of these sites, in addition to providing your credit score, offer other services that help you keep an eye on your finances. Most also offer a free credit report, which will show you credit inquiries and credit utilization.

Many offer free credit monitoring and will send you alerts if there is suspicious activity on any of your accounts that might be identity theft. Others offer a credit score simulator that will show you how your score will change if you, for example, buy a house or pay off some of your debt. And still others help you with a credit freeze, which ensures that no unauthorized credit inquiries can be made without your permission.

Your Turn!

It’s important to keep tabs on both your credit score and your credit report, not just to be aware of credit inquiries on your accounts, but also to avoid identity theft and improve your credit. If you decide to take out an auto loan or a mortgage one day, knowing what your credit score is in good shape can ensure that you get the best rate possible.

Did we miss a spot you can get your credit score for free or has one changed since we published this post? Is credit monitoring part of your routine? Feel free to share your comments below. We will continue to update this story with new offers as we hear about them.

This article was originally written on December 13, 2019 and updated on August 11, 2020.

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ABOUT AUTHOR

Gerri Detweiler

Education Director for Nav

Credit expert Gerri Detweiler is Education Director for Nav. She has more than three decades of experience in consumer credit education, has been interviewed in more than 3500 news stories, and answered over 10,000 credit questions online. Her articles have been widely syndicated on sites such as MSN, Forbes, and MarketWatch. She is the author or coauthor of five books, including Finance Your Own Business: Get on the Financing Fast Track. She has testified before Congress on consumer credit legislation.

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4 responses to “138+ Places You Can Get Your Credit Scores for Free

  1. There are a few mistakes on this list. Please see the following:

    Bank of America
    Available to certain credit cardholders – ONLY for consumer credit cardholders
    TransUnion / FICO 8

    Discover Scorecard
    Available to anyone
    Experian / FICO 8

    This is for this Scorecard Product, https://www.creditscorecard.com/.

    Discover
    Available to credit cardholders
    TransUnion / FICO 8

    Mint
    Available to anyone
    Equifax Risk Score

    Wells Fargo
    Available to certain credit cardholders – ONLY for consumer credit cardholders
    Experian / FICO 98 Bankcard or FICO 9 or FICO 2 Bankcard