Learn More About How To Check Credit Score For Free ;
What Is Meant By Credit Score ?
A credit score is a number between 300 and 850 that depicts a consumer’s creditworthiness. The higher the score, the better a borrower looks to potential lenders. A credit score is based on credit history: number of open accounts, total levels of debt, and repayment history, and other factors.
What is a good credit score?
Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
How To Get Credit Score
There are a few main ways to get your credit score, including from a credit card or other loan statement, a non-profit counselor, or for a fee from a credit reporting agency. You actually have more than one credit score. Credit scores are calculated based on the information in your credit reports.
There are four main ways to get a credit score:
Check your credit card or other loan statement
Talk to a non-profit counselor
Use a credit score service.
Buy a score.
How To Check Credit Score For Free
Consumers have a number of options for accessing their credit scores, beyond just visiting the three major credit bureaus. Here are three ways to check your credit score and stay on top of your finances.
1. Free Credit Scoring Website
One of the best ways to check your credit score for free is by visiting a free credit scoring website. These websites typically offer access to your credit report, score and/or credit monitoring and are updated anywhere from weekly to monthly. There’s no fee to sign up for basic credit score updates. However, some websites offer more advanced services for a monthly fee.
2. Your Credit Card Provider
Many credit card providers also offer cardholders the ability to check their credit scores for free. Oftentimes, these tools include access to view your score history and see what led to recent changes. Some providers also let customers forecast how their scores would react to variables like on-time payments, credit limit increases and taking out a mortgage.
Keep in mind, however, that most providers require cardholders to opt in to this service, so make sure you sign up if you want to access your score.
Here’s a look at popular credit card providers with credit score tools.
| CREDIT CARD PROVIDER | COST | UPDATE FREQUENCY | 24/7 CREDIT MONITORING | FREE CREDIT REPORT |
|---|---|---|---|---|
| Capital One | Free | Weekly | Yes | No |
| Discover | Free | Monthly | No | No |
| American Express | Free | Monthly | Yes, via MyCredit Guide | Yes |
| Citi | Free | Monthly | No | No |
3. Nonprofit Credit Counselor
Credit counseling is a service aimed at helping consumers get out of debt. This may involve providing money management advice, creating a budget, working with creditors, building healthier financial habits and helping borrowers come up with a plan to repay their debt.
Paid credit repair and debt settlement services can negatively impact your credit score in the long term, but nonprofit credit counselors are a safe and reliable way to understand your credit score and improve your finances. If you’re interested in working with a credit counselor, visit the National Foundation for Credit Counseling to connect with a reputable service provider.
Best place to check your credit score
- Best Overall: AnnualCreditReport.com
- Best for Credit Monitoring: Credit Karma
- Best for Single Bureau Access: Credit Sesame
- Easiest Sign-Up: NerdWallet
- Best for Improving Credit: CreditWise
- Best for Daily Updates: WalletHub
Does it hurt your credit score to check it yourself?
Good news: Credit scores aren’t impacted by checking your own credit reports or credit scores. In fact, regularly checking your credit reports and credit scores is an important way to ensure your personal and account information is correct, and may help detect signs of potential identity theft.
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