Free Credit Score

Free Credit Report

Check your credit score for free. No credit card required.

Getting a handle on your credit is the first step toward financial well-being. You know it, and we at Credit.com know it. Maybe you’re looking to transform your bad credit into good credit, or perhaps just want to keep track of things. But where to start?

First things first-you need to know where you’re at. That’s why Credit.com provides your free credit score from Experian®, updated every 14 days. You can stay up to date with your Credit Report Card, which keeps track of what you’re doing well and what you could improve.

Get your free credit score

Why Credit.com?

You can get your free credit report from all three credit bureaus, but there’s a catch—you can typically only access it once a year, and it won’t provide your score. Credit.com, however, gives you useful insight into your credit score all year round. Not only that, but we display your updated credit score every 14 days (did we mention that already?). If you’re ready to improve your credit score, our Credit Report Card will give you a personalized action plan.

Get your free Experian® Vantage 3.0 credit score

We pull your credit score straight from Experian®, updated every 14 days. As one of the three major credit bureaus, Experian® is a trusted credit reporting agency.

Access more than your score

Not only do you get to see your credit score, but you’ll also be able to see your Credit Report Card. In a nutshell, it'll grade you on the five factors that play into your credit and give you a snapshot of each new late payment, current credit utilization, new and old hard credit inquiries, and how many types of each account you have.

See personalized credit cards, loans, and education

When you sign up for Credit.com, we’ll show you loans and credit cards that match your credit score. You’ll see a few options that could work for you, including their interest rates and annual fee. We’ll also give you education and insights on types of credit, your credit, and credit in general specific to your score

See your score from anywhere

You don’t need to sit in front of your computer to see your credit score, access your Credit Report Card, or apply for a line of credit. Credit.com gives you a free mobile app that works on Android and iOS, so you can access your score and Credit Report Card wherever you are

Your credit score basics

How does Credit.com get my credit score?

OK, we’ve established that Credit.com provides your credit score and Credit Report Card completely free of charge. But how exactly do we get your credit score? It comes directly from Experian®, one of the three major credit bureaus. Not only that, but you’ll get access to your Credit Report Card. It’ll dig into the five factors that affect your credit score—payment history, debt usage, credit age, account mix, and credit inquiries—and give you a personalized action plan to help you reach your credit and financial goals.

What’s my credit score?

Your credit score is used for a lot—even if you don’t know it. Sure, you need your credit score to apply for things like credit cards, loans, and mortgages. But did you know that you may need a credit score to rent an apartment? To get decent interest rates? Trust us—you don’t want to apply for any credit line before checking your score. Plus, keeping an eye on your score can help you look out for identity theft and fraud. With your credit, it’s better to be safe than sorry.

When and why does my credit score change?

Honestly, your credit score can change whenever. It depends on many things, like whether you pay your bills on time, when you pay your balances, if/when you apply for a new line of credit, and when you open or close a new account. Plus, it can take 30 to 60 days for your creditors to report your information to the credit bureaus. Because your score can really change at any time, it’s important to keep track of it.

How to read your free credit score

So, what exactly does your credit score mean? To understand your credit score, it's helpful to be familiar with the five ranges: Excellent, Good, Fair, Poor, and Very Poor.

Very poor | 300-499

You may struggle to get approved for new credit. If your score falls in this range, look for ways to repair your credit.

Poor | 500-600

You may have a hard time getting approved for loans—and if you do, you might not qualify for the best interest rates.

Fair | 601-660

Lenders will likely approve you for credit, although you might not qualify for the most ideal rates.

Good | 661-780

With a good credit score, you'll likely still be able to qualify for competitive interest rates.

Excellent | 781-850

Lenders view those with an excellent credit score as low risk, so you'll likely qualify forthe lowest interest rates and best loan terms.

What factors determine your credit score?

Below are the five key factors that determine your credit score:

Payment history

35% of score

The most significant factor in determining your credit score is how timely you pay your bills. Frequent late payments can damage your score.

Credit usage

30% of score

Your credit utilization ratio is the amount of credit you're using divided by your credit limit. We suggest keeping this number under 30%.

Credit age

15% of score

Older account ages provide lenders with a complete look at how you manage your credit.

Account mix

10% of score

Having several different accounts proves to creditors that you can handle different debt types. Examples include credit cards, auto loans, and mortgages.

Credit inquiries

10% of score

Opening multiple credit accounts in a short period of time can signal to lenders that you may be a risky borrower.

Payment history

35% of score

The most significant factor in determining your credit score is how timely you pay your bills. Frequent late payments can damage your score.

Credit usage

30% of score

Your credit utilization ratio is the amount of credit you're using divided by your credit limit. We suggest keeping this number under 30%.

Credit age

15% of score

Older account ages provide lenders with a complete look at how you manage your credit.

Account mix

10% of score

Having several different accounts proves to creditors that you can handle different debt types. Examples include credit cards, auto loans, and mortgages.

Credit inquiries

10% of score

Opening multiple credit accounts in a short period of time can signal to lenders that you may be a risky borrower.

FAQs

You can access your credit report snapshot for free at Credit.com. While this is not a full credit report, it can also give you a picture of the five key areas in your credit report.

Every year you can get your free credit report from each credit reporting agency: Equifax®, Experian®, and TransUnion®. In some cases, you can get additional free credit reports if you believe you’ve been a victim of fraud or identity theft or if you’ve been rejected for credit.

Checking your credit report through the bureaus using AnnualCreditReport.com is a soft inquiry, meaning it will not damage your credit score. That’s because when you check your credit report, you aren’t applying for a new line of credit. Other soft inquiry examples include an employer pulling your score or a lender sending you preapproved credit card offers.

Your credit report provides a full overview of your credit history, including personal information, delinquent accounts, and accounts in good standing. Your Credit Report Card is a summary of all of this, showing you how you’re doing in the areas that make up your credit score.

Your credit score and credit report are separate from one another. Your report is your entire credit history of all your installment and revolving credit accounts. On the other hand, credit score is a number calculated from your credit history that shows where you stand regarding credit health. Even though the two are related, you often have to request them separately.

A good credit score falls in the 661 to 780 range, while a score above that is considered excellent.

Get your free credit report card