How to Check Your Credit Score for Free
By CreditGM · Last updated July 2026 · 5 min read
You can check your credit score for free without hurting your credit. Here are the best options and what you should do with the information.
Free Credit Score Options
Credit Karma. Free TransUnion and Equifax VantageScore 3.0. Updated weekly. No credit card required. creditkarma.com
Credit Sesame. Free TransUnion score with credit monitoring. creditsesame.com
Discover Credit Scorecard. Free FICO Score 8 from Experian — available to everyone, not just Discover customers. discover.com/free-credit-score
Your bank or credit card. Many major banks and credit cards (Capital One, Chase, Citi, Bank of America) now offer free FICO scores to their customers.
AnnualCreditReport.com. Free full credit REPORTS from all three bureaus — does not include score but shows everything on your report.
Credit Score vs Credit Report: The Difference
Your credit SCORE is a number (300-850). Your credit REPORT is the detailed document showing all your accounts, payment history, and public records. To find and fix problems, you need to review your full report — not just the score.
What to Do After Checking Your Score
If your score is below 620, you likely have items that are hurting you — errors, collections, late payments, or high utilization. Pull your full reports and review them carefully.
Get a free CreditGM analysis — we will review your full credit report and tell you exactly what is hurting your score and what we can do about it.
CreditGM is a CROA-compliant credit repair company in Scottsdale, AZ. Our bilingual specialists serve clients in English, Spanish and French. All content is reviewed for accuracy and legal compliance.
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