9 FREE Ways To Access All Of Your Credit Scores!
Here’s a list of 9 free ways to see your credit scores, each with a direct link and a short explanation, offering Fico & Vantage score models (most offer real-time credit alerts so you can stay up to date with changes to your credit profiles + get free apps for your phone):
NOTE: Not recommended to upgrade to any of the below paid-for/premium options, as there's no need or real benefit, plus we included the best all-in-one, lowest-cost paid option, with a 7-day $1.00 trial, at the bottom of this list...
1. TransUnion
Link: https://members.transunion.com/
Provides full-access to your free TransUnion credit report & Vantage 3.0 Score and more.
2. Experian
Link: https://www.experian.com/
Provides full access to your free Experian credit report and FICO® Score 8 and more, including business credit (they also have a free phone app)
3. Equifax
Link: https://www.equifax.com/
Provides full access to your free Equifax credit report and Vantage 3.0 Score and more, including business credit (they also have a free phone app).
4. myFICO
Link: https://www.myfico.com/products/fico-free-plan-b
Also has a great app for your phone - Provides a free Equifax FICO score 8 and basic credit monitoring from the official FICO provider.
5. WalletHu b
Link: https://wallethub.com/free-credit-score
Also has a great app for your phone - Provides free TransUnion VantageScore 3.0, along with monitoring, alerts, personalized recommendations.
6. Credit Karma by Intuit
Link: https://www.creditkarma.com/free-credit-score
Also has a great app for your phone - Offers a free Transunion and Equifax Vantage 3.0 credit report and scores, and much more.
7. CreditWise by Capital One
Link: https://www.capitalone.com/creditwise/free-credit-report/ (free for everyone)
Also has a great app for your phone - Offers a free TransUnion Fico Score 8 and ongoing monitoring with financial tips.
8. Amazon Credit Card by Synchrony bank
Link: https://amazon.syf.com/eService/creditscore/viewCreditScore.action (this link works if you're logged into your Amazon account)
Customers can access a free VantageScore 4.0 (TransUnion-based) via your Amazon account, by selecting "Amazon Credit Cards" from top menu.
9. Annual Credit Report
Link: https://www.annualcreditreport.com
The official U.S. government-authorized site to access your credit reports from all three bureaus (Equifax, TransUnion, Experian). Scores aren’t always included, but it’s essential for full credit visibility. Also good to compare these to some of the above options for accuracy.
Quick Tips:
To see all three bureaus for free, you’ll typically need to combine a few of these services (for example, the top 3 on the list).Also, most banks and credit cards offer their own credit scoring, to their customers via their apps and/or websites. The credit bureau and score model they use, does vary (example: Fico's, Vantage 3.0 or 4.0). So it maybe good to check those as well. This will give you a good idea of the various scoring models and how they differ.
*Credit Hero Score*
Link (best paid option): https://www.creditheroscore.com (includes everything on your reports w/7-day $1.00 trial then only $24.99 mthly).
If you'd like to see exactly what you're credit profiles look like, get access to ALL 3 official Credit Bureau Scores along with your full and very accurate credit reports, that include everything ever reported to the credit bureaus. Check out our top paid option (we liked it so much we've partnered with them). This also integrates with our credit repair platform, if you need help fixing your credit!
Below is exact images of how your credit profile will look:
