Updated every 14 days
Get your free credit score now
Get your free Vantage 3.0 credit score
Getting a handle on your credit is the first step toward financial well-being. You knowit,and we at Credit.com know it. Maybe you're looking to transform your bad credit intogoodcredit, 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 yourfree credit score from Experian®, updated every 14 days. You can stay up to date withyourCredit Report Card, which keeps track of what you’re doing well and what you couldimprove.
Get your free credit score
Why Credit.com?
You can get your free credit report from all three credit bureaus, but there’s acatch—youcan 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,butwe display your updated credit score every 14 days (did we mention that already?). Ifyou’reready to improve your credit score, our Credit Report Card will give you a personalizedaction plan.
Get your free Experian® Vantage 3.0 credit score
We pull your credit score straight from Experian®, updated every 14 days. As one ofthethree 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 yourCreditReport Card. In a nutshell, it'll grade you on the five factors that play into yourcredit and give you a snapshot of each new late payment, current credit utilization,newand 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 matchyourcredit score. You’ll see a few options that could work for you, including theirinterestrates 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, accessyourCredit Report Card, or apply for a line of credit. Credit.com gives you a freemobileapp that works on Android and iOS, so you can access your score and Credit ReportCardwherever you are.
Get your free Experian® Vantage 3.0 credit score
We pull your credit score straight from Experian®, updated every 14 days. As oneofthe 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 seeyourCredit Report Card. In a nutshell, it'll grade you on the five factors that playinto your credit and give you a snapshot of each new late payment, currentcreditutilization, new and old hard credit inquiries, and how many types of eachaccountyou have.
Personalized credit cards, loans, and education
When you sign up for Credit.com, we’ll show you loans and credit cards thatmatchyour credit score. You’ll see a few options that could work for you, includingtheirinterest rates and annual fee. We’ll also give you education and insights ontypesof 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, accessyour Credit Report Card, or apply for a line of credit. Credit.com gives you afreemobile app that works on Android and iOS, so you can access your score andCreditReport 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 ReportCard completely free of charge. But how exactly do we get your credit score? Itcomes 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 factorsthat 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 yourcredit 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 yourcredit score to apply for things like credit cards, loans, and mortgages. But didyou know that you may need a credit score to rent an apartment? To get decentinterest rates? Trust us—you don’t want to apply for any credit line before checkingyour score. Plus, keeping an eye on your score can help you look out for identitytheft 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, likewhether you pay your bills on time, when you pay your balances, if/when you applyfor a new line of credit, and when you open or close a new account. Plus, it cantake 30 to 60 days for your creditors to report your information to the creditbureaus. Because your score can really change at any time, it’s important to keeptrack of it.
How to read your free credit score
So, what exactly does your credit score mean? To understand your credit score, it'shelpful to be familiar with the five ranges—Excellent, Good, Fair, Poor, and VeryPoor.
Excellent | 781-850
Lenders view those with an excellent credit score as low risk, so you'lllikelyqualify for the lowest interest rates and best loan terms.
Good | 661-780
With a good credit score, you'll likely still be able to qualify forcompetitiveinterest rates.
Fair | 601-660
Lenders will likely approve you for credit, although you might not qualifyforthe most ideal rates.
Poor | 500-600
You may have a hard time getting approved for loans—and if you do, you mightnotqualify for the best interest rates.
Very Poor | 300-499
You may struggle to get approved for new credit. If your score falls in thisrange, look for ways to repair your credit.
Get your score for free—no credit card needed
When you sign up with Credit.com’s free account, there isn't a catch. You can access yourfreecredit score without a credit card or hard inquiry.
Get your free credit score
What factors determine your credit score?
Below are the five key factors that determine your credit score:
- Payment HistoryThe most significant factor in determining yourcreditscore is how timely you pay your bills. Frequent late payments candamageyour score.Credit UsageYour credit utilization ratio is the amount ofcredityou're using divided by your credit limit. We suggest keeping thisnumberunder 30%.Credit AgeOlder account ages provide lenders with a completelook at how you manage your credit.Account MixHaving several different accounts proves tocreditorsthat you can handle different debt types. Examples include credit cards,retail cards, auto loans, and mortgages.Credit InquiriesOpening multiple credit accounts in a short periodoftime can signal to lenders that you may be a risky borrower.
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Need a little Extra?
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 goodcredit, or perhaps just want to keep track of things. But where to start?
A free credit score is a great tool for understanding, tracking, and building your credit.Ifyou want even more insight into your credit, check out ExtraCredit®. For $24.99 a month, youcansee 28 of your FICO® Scores from all three major credit bureaus. In addition to your creditscores, ExtraCredit offers opportunities to add your rent and utilities to your creditreportsto add more history to your credit profile, cash back rewards when you’re approved forcertainoffers, exclusive discounts, $1 million identity theft coverage, and more.
- Check out ExtraCredit today
Frequently Asked Questions
How do I check my credit scoreforfree?
You can access your credit report snapshot for free at Credit.com. While this is not afullcredit report, it can also give you a picture of the five key areas in your creditreport.
How many credit reports can Igetper year?
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 ifyoubelieve you’ve been a victim of fraud or identity theft or if you’ve been rejected forcredit.
Does checking my credit reporthurt my credit score?
Checking your credit report through the bureaus using AnnualCreditReport.com is a softinquiry, meaning it will not damage your credit score. That’s because when you checkyourcredit report, you aren’t applying for a new line of credit. Other soft inquiry examplesinclude an employer pulling your score or a lender sending you preapproved credit cardoffers.
What is the difference betweenmycredit report and credit report card?
Your credit report provides a full overview of your credit history, including personalinformation, delinquent accounts, and accounts in good standing. Your Credit Report Cardisa summary of all of this, showing you how you’re doing in the areas that make up yourcreditscore.
Does my free credit score comewith my credit report?
Your credit score and credit report are separate from one another. Your report is yourentirecredit 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 standregarding credit health. Even though the two are related, you often have to request themseparately.
What is a good creditscore?
A good credit score falls in the 661 to 780 range, while a score above that is consideredexcellent.
Get your free credit report card today
Get your free credit report card today
- Insight into what is helping and hurting your credit score
- Your score in comparison to U.S. averages
- Overview of late payments, credit utilization, and hard inquiries
View your credit report card
