How To Get Your Free Credit Score? Compare Best Sites.

free credit score
A good credit score can significantly lower your interest rates on car loan, mortgage, insurance, and more. It’s a good practice to check your score once in a while. How exactly do you get your credit score for free? Read on.

With the number of credit score websites out there, it can be difficult to narrow down the options — but don’t worry. We’ve done the research so you can get your scores fast and easy.

Free credit score websites

Best free services offer all 3-bureau credit scores (see FreeScore360.com) but in most cases expect to receive just a one score. Take a look:

Website Credit Bureau
FreeScore360 Experian, Equifax, TransUnion
Credit Sesame TransUnion
Credit Karma TransUnion
Credit.com Experian
Capital One TransUnion
LendingTree TransUnion
Mint Equifax
myBankrate TransUnion
Quizzle TransUnion
WalletHub TransUnion

Simply register with your favorite website and provide some basic information about you (email address, ZIP code, etc.). You may be asked to provide your Social Security Number (SSN) in order to verify your identity.

Scores you receive from these websites can give you a very good idea of your creditworthiness. However, you need to know these are rarely used by lenders. Most financial institutions in United States prefer and use FICO scores.

To see your FICO scores online visit myFICO.com. This is the official FICO website where you can buy an individual bureau’s score for $19.95 each (or get all three of them for a more complete picture). You can also opt-in for a 3-bureau credit monitoring service priced at $29.95 per month. Make sure to cancel your subscription when you no longer need it.

FICO Score 8 from Experian is also available at FreeCreditScore.com and Discover’s CreditScorecard.com. Both sites are absolutely free, without trial membership, and should not ask you for a credit card number.

Free FICO credit score

credit card and blue jeans

Most credit card issuers now give you free access to your FICO scores, updated every 30 days. You should be able to see your score on your monthly credit card statement, online bank account, or mobile app.

There are many different versions of FICO scores. Today, in 2016, the FICO Score 8 is the most popular among lenders. This table gives you an idea of which scores are available where.

Company Score Type Bureau
American Express FICO 8 Experian
Bank of America FICO 8 TransUnion
Barclaycard US FICO 8 TransUnion
Chase FICO 8 Experian
Citi FICO Bankcard 8 Equifax
Commerce Bank FICO 8 Any
Discover FICO 8 Experian
First National Bank FICO Bankcard 8 Experian
Wells Fargo FICO Bankcard 2 Experian

Contact your bank if it’s not on the list above. According to Market Watch, more than 100 million U.S. bank accounts also offer regular access to FICO scores with no extra charge.

Have more questions about your credit score and credit report?

Check our answers below (unlock the content to see the answers).