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How Can I Check My Credit Score For Free?

by | Jul 15, 2023 | News

To obtain your credit score at no cost, you can follow these steps:

1. Credit card providers: Certain credit card companies provide their customers with complimentary access to their credit scores as a customer perk. It is advisable to inquire with your credit card issuer to determine if they offer this service.

2. Online credit monitoring services: Numerous online platforms provide access to free credit scores. Websites like offer complimentary access to credit scores and provide credit monitoring services. Typically, these platforms generate your credit score using data obtained from one or more of the major credit bureaus.

3. Banks or credit unions: Some banks and credit unions extend the courtesy of providing free access to credit scores for their customers. It is advisable to check if your financial institution offers this amenity.

4. Non profit credit counseling agencies: Non profit credit counseling agencies may offer free services that include access to your credit score. These organizations can provide valuable insights and assistance with regards to your overall financial well being, including your credit score.

By following these steps, you can access your credit score without incurring any charges. Ensure to search for well established and trustworthy institutions within your locality or on the internet.

Bear in mind that while these approaches grant access to credit scores, the actual score might slightly differ across various sources due to the utilization of multiple credit scoring models. Nevertheless, they should provide you with a broad understanding of your creditworthiness and aid in monitoring your credit well being.

It’s also worth noting that there is an official government website to check your credit reports for free (unfortunately without your scores included). Begin by visiting, the designated website authorized by the U.S. Government to deliver complimentary yearly credit reports. Under this service, you can obtain one credit report from each of the three primary credit bureaus (Equifax, Experian and TransUnion) within a 12 month period. These comprehensive reports outline your credit history in detail, although they do not include your credit score.