You can check your credit score for free or low cost through major credit bureaus, many banks/credit cards, and reputable online credit score services.

Main ways to check

  • Credit bureaus (Experian, Equifax, TransUnion)
    • Create an online account with a bureau (for example, Experian or Equifax) to see your credit report and a FICO or VantageScore based on that report, sometimes free and sometimes via a paid monitoring plan.
* In the U.S., you can get free credit reports at AnnualCreditReport.com, but that site gives reports, not the numerical score itself.
  • Your bank or credit card issuer
    • Many card issuers and banks show your credit score in their app or online dashboard as a free perk, updated monthly or even more often.
* Look for a tab labeled something like “Credit score,” “FICO Score,” or “Credit Journey” once you log in.
  • Free credit score websites
    • Reputable sites partner with bureaus to show you a free VantageScore or FICO Score in exchange for you creating an account.
* They often make money by showing you loan/credit card offers rather than charging you, so expect some product recommendations.

Quick tips before you check

  • Checking your own score is a soft inquiry, so it does not hurt your credit.
  • Scores can differ between sites because they may use different models (FICO vs VantageScore) or different bureaus’ data.
  • For the most accurate picture, look at both:
    1. Your score (FICO or VantageScore).
    2. Your underlying credit reports to spot errors or fraud.

“Where do I check my credit score?”
Think: your bank app, a major bureau’s website, or a well-known free score site—those three cover almost everyone.

TL;DR: Start with your existing bank/credit card app, then set up a free account with a major bureau or a trusted free score site for ongoing monitoring.

Information gathered from public forums or data available on the internet and portrayed here.