How to Check Your Credit for Free

Takeaway

You don’t need a subscription, credit card, or fancy membership to see your credit report or score. There are legit, free options that anyone can use—just a few clicks away.

1. AnnualCreditReport.com – The Only Official Site

The law lets you get a free credit report from each of the three big credit bureaus (Equifax, Experian, and TransUnion) once every 12 months. Just go to AnnualCreditReport.com. It’s safe, official, and doesn’t cost a thing. During COVID, they even offered weekly reports—check if that’s still going on when you visit.

2. Look for Credit Score Offers From Banks or Apps

Even if you don’t pay for a service, many banks, credit unions, and financial apps give customers a free FICO or VantageScore. Examples include:

• CreditWise from Capital One
• Discover Credit Scorecard (no Discover card needed)

3. Use Free Credit Score Sites

Sites like Credit Karma and Credit Sesame give you a free look at your credit score and a breakdown of what’s affecting it. They make money from ads and offers, not from charging you. No need to put in your credit card info.

4. Ask Your Lender or Card Company

If you have a loan or credit card, your lender may show your score on your monthly statement or through their app. Doesn’t hurt to check—it’s often right there for free.

5. Keep an Eye on Scams

Only use well-known, secure websites. Never pay for a “free” report. If they ask for payment info upfront, walk away.