How to Check Your Credit Score for Free (Without Getting Scammed)

See your real credit number for $0—without handing data to a sketchy site.

Knowing your score helps you negotiate rates and catch problems early; here’s how to check it safely, for free, and dodge common traps.

Start here: three safe ways to see your score today

• Your bank or card app: Many card issuers and credit unions show a free FICO® or VantageScore® in-app with monthly updates—no extra sign-ups.
• Nonprofit counselors: HUD-approved housing or NFCC-affiliated credit counselors can provide scores and coaching at low/no cost.
• Credit bureau accounts: Creating an account with a bureau can show score info and alerts; enable two-factor authentication and use unique passwords.
• Keep a simple log: Record the model (FICO or Vantage), version number, bureau, and date so you can compare apples to apples over time.
• Tiny scenario: You see a VantageScore 3.0 from your card app and a FICO 8 from your bank; the numbers differ, but both trends should generally move together.

FICO vs. VantageScore: why the number changes across apps

Small differences in data and math create different outputs—even on the same day.

• Different models, same goal: Both estimate risk but weigh factors differently (payment history, utilization, age of credit, inquiries, and mix).
• Version shuffle: Lenders and apps use different versions (e.g., FICO 8/9/10, Vantage 3.0/4.0); scoring cutoffs can vary by version.
• Bureau inputs: Each bureau (Equifax, Experian, TransUnion) might have slightly different account data; one late post can shift one score but not others.
• Mortgage exception: Mortgage lenders often use older FICO versions; expect a mismatch with the number you see in consumer apps.
• What to track: Focus on trends (three-month arcs), not single-day jumps; verify big swings by pulling your credit reports and checking for errors.

Spot the traps: “free trials,” fake sites, and habits that backfire

• The only official free report site is the one authorized by law; bookmark it and type it directly—avoid search-ad look-alikes.
• Free trial bait: Trials can convert to paid monitoring; set a cancellation reminder or skip trials if you just need your score/report.
• Phishing alarms: Typos in URLs, pop-ups, and requests for extra data (full PINs, full card numbers) are red flags—back out immediately.
• Hard vs. soft checks: Checking your own score/report is a soft inquiry and doesn’t hurt your score; applying for credit triggers hard pulls.
• Security basics: Turn on account alerts, freeze your credit if you’re not applying soon, and use a password manager for bureau and bank logins.
• Tiny scenario: A “free score” site asks for a card “just to verify identity.” You pass—then use your bank’s app and a nonprofit counselor instead.

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Frequently Asked Questions

FAQs

Will checking my own score hurt my credit?

No. Viewing your own score or reports is a soft inquiry and doesn’t affect your score. Applications for new credit are hard inquiries.

Why is my score different across apps?

Different scoring models, versions, and bureaus explain the mismatch. Track the model/version and compare trends, not single numbers.

Do I need to pay to see my score?

Often no. Many banks and card issuers provide scores for free. If a site asks for a credit card for a “free trial,” read the terms carefully or use no-cost options instead.

Should I freeze my credit?

If you’re not applying soon, a freeze can block new accounts opened in your name. You can lift it temporarily when you need to apply.

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References