Where to Find Your Credit Score For Free

In the U.S., the three major credit reporting bureaus are Equifax, Experian and Transunion. They each collect information on you regarding your loans, credit accounts, collections, payment history, etc. They also put out their own credit scores which banks and credit card companies use to gauge how creditworthy you are.  Some banks use the score provided by the reporting bureaus, some use FICO scores which are based on the credit reports created by either Equifax, Experian or Transunion.

Either way, for the vast majority of people, their FICO scores and scores directly from the credit reporting agencies (sometimes known as their VantageScore) are going to be within a couple of points of each other.

Getting all three of your credit scores from one website used to be fairly tough to do. There are plenty of websites out there that will give you one of your 3 scores for free, but almost all of them are based on your Transunion or Equifax score. Experian, which is what many lenders use, is pretty picky about letting websites give their score away for free.

FreeCreditClick is one of the few websites that actually will give you all three of your credit scores for free and it only takes about 5 minutes to receive them. Navigating the website is pretty easy as you can see below:

They ask for your name, email and zip code, which are used to start the verification process so they know you are who you say you are.

As you can see, there is a fee for going past the trial period, which is 7 days. The easy way to avoid this is to just give them a call at 1-800-972-7204 after you’ve received your scores.

After filling out that information, the “Your scores – now!” button takes you here:

You don’t have to fill out the part that asks why you’re checking your credit but the rest of the fields are required. Your address is used in the verification process which takes place on the next page and the username/password is for you to be able to log in to your account to see your scores on the website.

After filling out those fields, the “Submit and Continue” button takes you here:

Any website giving you access to your credit scores or credit report will ask you for your social security number and DOB. In addition to being another level of verification, it’s how the credit bureaus record your account in their databases.

Clicking “Continue” takes you here:

The ID verification page that sometimes throws off people looking to find their credit scores or credit reports. I’ve blacked out most of it since it pertains to me specifically but you can see that all of the questions have a “None of the above” option. If you have no idea what something is in one of the questions, or all of the answers look incorrect, choose “None of the above”. It’s meant to frustrate someone trying to steal your identity but it sometimes leads to the actual account owner being scared that someone opened up an account in their name.

Clicking continue brings you here:

Remember the trial from before? This is where you’ll put in your credit card information as a final verification step to both make sure you are who you say you are, and give the site a way to charge you if you want to see your scores past the 7 day trial. The $1 fee is just a pending charge they put on your account that gets reversed back to you after a day or so. Again, you can call anytime during the 7 days and cancel to prevent the $39.95 fee from being charged to your card.

At the bottom of that page you’ll see the button that takes you to your credit scores:

Clicking the orange button takes you to your dashboard page here, where you can see your credit scores and how they have been calculated:

All three of your credit scores in one place with easy access to your credit reports as well.

Just click on the 3 big buttons on the top for Transunion, Equifax and Experian to see your score for each one. I’ve blacked out my personal information but your score will show up where the black boxes appear.

That’s all there is to it. You can go through and look at your credit reports from all 3 bureaus as well under each of their respective tabs.

It’s important to immediately notify the credit reporting bureaus if you do find something that isn’t correct on your credit reports. The sooner mistakes are caught, the faster you can get them fixed and remove the negative impact on your credit score.