Top Free Credit Score Sources

Knowing your credit score is essential for financial management. Discover the top sources that offer free credit score information to help you stay informed about your credit health.


Obtaining your credit score for free is important for monitoring your financial health. There are several reputable sources where you can access your credit score without having to pay for it. Here are some of the top free credit score sources:

  1. AnnualCreditReport.com: This is the only website authorized by the U.S. government to provide you with a free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once a year. While it provides your credit report for free, it does not include your credit score.

  2. Credit Karma: Credit Karma offers free access to your credit scores and credit reports from both TransUnion and Equifax. They also provide various financial tools and advice based on your credit profile.

  3. Credit Sesame: Credit Sesame provides free credit scores and credit reports from Experian. They offer credit monitoring and personalized recommendations for improving your credit.

  4. CreditWise from Capital One: Even if you're not a Capital One customer, you can use CreditWise to get free access to your VantageScore credit score. It's available to anyone, and it doesn't require a credit card.

  5. WalletHub: WalletHub provides free credit scores and credit reports from TransUnion. They also offer credit monitoring and personalized financial recommendations.

  6. Experian Free Credit Score: Experian offers a free credit score and credit report. You can access this service without a credit card, and it doesn't require a trial subscription.

  7. Discover Credit Scorecard: Discover provides free access to your FICO credit score, even if you're not a Discover customer. You don't need a credit card to sign up.

  8. Mint: If you use Mint for budgeting and financial tracking, they offer a free credit score feature that provides your Equifax credit score and credit report.

  9. Chase Credit Journey: Chase offers free access to your VantageScore credit score, even if you're not a Chase customer. You don't need a credit card to sign up.

Remember that these sources typically provide a VantageScore or a FICO score, which are two different credit scoring models. Lenders may use other scoring models, but these free sources still give you a good idea of your creditworthiness and can help you monitor your credit over time. It's a good practice to regularly check your credit reports and scores to ensure their accuracy and to detect any potential issues or identity theft.

Where can you access your credit score for free, and what are the best sources to obtain this information?.

The best source to obtain your credit score for free is from AnnualCreditReport.com. This is the only official website authorized by the U.S. federal government to provide you with a free copy of your credit report from each of the three major credit bureaus: Experian, Equifax, and TransUnion.

You can request your free credit reports once every 12 months from each of the three bureaus. To do this, visit AnnualCreditReport.com or call 1-877-322-8228.

Once you have your credit reports, you can use a number of different websites and services to get your credit score for free. Some popular options include:

  • Credit Karma
  • NerdWallet
  • WalletHub
  • Credit Sesame
  • LendingTree

These websites and services typically use the VantageScore credit scoring model, which is one of the two most widely used credit scoring models in the United States. However, some lenders may use different credit scoring models, such as the FICO Score.

It is important to note that some websites and services that offer free credit scores may also try to sell you credit-related products and services. It is important to read the fine print carefully before you sign up for anything.

Here are some tips for getting your credit score for free:

  • Use AnnualCreditReport.com to get your free credit reports from each of the three major credit bureaus.
  • Use a reputable website or service to get your credit score for free.
  • Be careful of websites and services that try to sell you credit-related products and services.
  • Check your credit score regularly to identify any errors or problems.

By following these tips, you can easily get your credit score for free and stay on top of your credit health.