{"id":12452,"date":"2023-06-08T10:00:00","date_gmt":"2023-06-08T16:00:00","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=12452"},"modified":"2025-06-06T14:21:56","modified_gmt":"2025-06-06T20:21:56","slug":"how-to-check-credit-score","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-to-check-credit-score.html","title":{"rendered":"How to check your credit score and report for free"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"190\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2022\/06\/how-to-check-your-credit-score-hero.jpg\" alt=\"\" class=\"wp-image-18372\"\/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice.<\/em>\u00a0<a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-background has-link-color wp-elements-07eac299f56df1687a63e2bca3886cdd\" style=\"background-color:#00204f\">You can check your credit score for free by checking with your credit card company, requesting your score through your bank or signing up for an online service.<\/p>\n\n\n\n<p>Checking your credit score doesn\u2019t have to be complicated or cost you money, and you don\u2019t have to worry about it hurting your credit. We recommend you learn how to check your credit score and reports\u2014and check them often\u2014so you have an idea of where you stand if you want to apply for credit.<\/p>\n\n\n\n<p><strong>Table of contents:<\/strong><\/p>\n\n\n\n<ul>\n<li><a href=\"#how-do-i-check-my-credit-score-5-ways\">How do I check my credit score? 5 ways<\/a><\/li>\n\n\n\n<li><a href=\"#how-to-get-your-credit-report-for-free\">How to get your credit report for free<\/a><\/li>\n\n\n\n<li><a href=\"#how-credit-scores-work\">How credit scores work<\/a><\/li>\n\n\n\n<li><a href=\"#how-to-read-your-credit-report\">How to read your credit report<\/a><\/li>\n\n\n\n<li><a href=\"#how-to-check-your-credit-score-faq\">How to check your credit score: FAQ<\/a><\/li>\n\n\n\n<li><a href=\"#_d2egb2xlema1\">How to improve your credit<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-do-i-check-my-credit-score-5-ways\">How do I check my credit score? 5 ways<\/h2>\n\n\n\n<p>Here are five common ways you can check your credit score (the first three for free).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-check-with-your-credit-card-company\"><a><\/a>1. Check with your credit card company<\/h3>\n\n\n\n<p>Many major credit card companies today allow you to check your credit score for free, even if you\u2019re not a customer. The limit will vary with each company, but you may be able to check as frequently as daily, weekly or monthly.<\/p>\n\n\n\n<p>If you\u2019re a customer, sometimes you can sign in to your credit card account and see your credit score online. Otherwise, you can try calling and finding out about your score.<\/p>\n\n\n\n<p>Some major credit card companies that provide a free credit score are:<\/p>\n\n\n\n<ul>\n<li>American Express<\/li>\n\n\n\n<li>Bank of America<\/li>\n\n\n\n<li>Barclaycard<\/li>\n\n\n\n<li>Citibank<\/li>\n\n\n\n<li>Commerce Bank<\/li>\n\n\n\n<li>Discover<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-request-your-credit-score-through-your-bank\"><a><\/a>2. Request your credit score through your bank<\/h3>\n\n\n\n<p>Many banks and credit unions offer a free credit score rating through their online banking platforms. You typically only have to sign in to your account and you\u2019ll see a credit score attached to your profile. Most financial institutions update these credit scores every month.<\/p>\n\n\n\n<p>Some banks that offer free credit scores for their customers are:<\/p>\n\n\n\n<ul>\n<li>Wells Fargo<\/li>\n\n\n\n<li>Bank of America<\/li>\n\n\n\n<li>U.S. Bank<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-sign-up-for-an-online-service\"><a><\/a>3. Sign up for an online service<\/h3>\n\n\n\n<p>There are plenty of online services that offer credit reporting. Typically, you create an account and get access to an updated credit score every seven to 14 days. However, make sure you\u2019re signing up for a free account, as some of these websites charge a fee for their services.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"863\" height=\"592\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/06\/image-8.png\" alt=\"\" class=\"wp-image-19666\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/06\/image-8.png 863w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/06\/image-8-768x527.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-purchase-from-the-credit-services\"><a><\/a>4. Purchase from the credit services<\/h3>\n\n\n\n<p>The major credit bureaus as well as other credit services allow you to purchase access to your credit score. Yes, there are ways to access your credit score for free, but these services provide additional features like credit monitoring, identity theft protection and more. For some, it may be worth paying extra for these features.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-enroll-in-credit-counseling\"><a><\/a>5. Enroll in credit counseling<\/h3>\n\n\n\n<p>If you\u2019re in debt, you may want to consider working with a credit counselor, and they can help you access your credit score along with their other services. Credit counseling is a helpful option for those who struggle with debt and managing their money. The counselor will help you develop a plan to pay off your debt as well as provide you with access to your credit score and reports.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-get-your-credit-report-for-free\"><a><\/a>How to get your credit report for free<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/report-vs-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">Your credit score and report are different things,<\/a> and you may be surprised to learn that your credit score isn\u2019t on your credit reports.<\/p>\n\n\n\n<p>Your credit reports are a record of your borrowing behavior with creditors and lenders. They show past and active accounts with details about balances, credit limits, account types, payment history and delinquencies.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"873\" height=\"993\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/06\/image-7.png\" alt=\"\" class=\"wp-image-19665\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/06\/image-7.png 873w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/06\/image-7-768x874.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>Creditors and lenders like banks, collection agencies, government agencies and credit card companies report this consumer data to the three major credit bureaus (Experian\u00ae, Equifax\u00ae and TransUnion\u00ae), which collect it for consumer credit reports. This information is used by credit scoring companies (such as FICO\u00ae and VantageScore\u00ae) to compile each consumer\u2019s personalized credit score.<\/p>\n\n\n\n<p>Every consumer is legally entitled to a free credit report annually from each of the credit bureaus. You can also check your credit report:<\/p>\n\n\n\n<ul>\n<li>Within 60 days of adenied credit application<\/li>\n\n\n\n<li>If you receive some forms of public assistance<\/li>\n\n\n\n<li>If you are unemployed<\/li>\n\n\n\n<li>If you had an inaccurate credit report<\/li>\n<\/ul>\n\n\n\n<p>To access a copy of your reports, you can go to <a href=\"https:\/\/www.annualcreditreport.com\/index.action\" target=\"_blank\" rel=\"noreferrer noopener\">AnnualCreditReport.com<\/a>. Reviewing your credit reports frequently is helpful because potential issues are easier to resolve sooner rather than later. A 2021 survey from Consumer Reports found that <a href=\"https:\/\/www.consumerreports.org\/credit-scores-reports\/consumers-found-errors-in-their-credit-reports-a6996937910\/\" target=\"_blank\" rel=\"noreferrer noopener\">34 percent of respondents<\/a> had at least one error on their credit reports. These errors can unnecessarily keep your credit score down and limit your opportunities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-credit-scores-work\"><a><\/a>How credit scores work<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-a-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">A credit score<\/a> is typically a number between 300 and 850 and is meant to represent the potential risk of loaning the person money. The higher your credit score, the more creditworthy you seem to creditors and lenders, which may result in more (and better) financial opportunities.<\/p>\n\n\n\n<p>Your credit score, along with your credit report, is one of the determining factors lenders look at when you are applying for lines of credit, getting a loan, renting a place to live and more.<\/p>\n\n\n\n<p>Knowing your score can help you plan ahead, which is beneficial because each time your credit is run, a <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/what-is-a-hard-inquiry.html\" target=\"_blank\" rel=\"noreferrer noopener\">hard inquiry<\/a> can lower your score. For example, if you know your credit score is too low for a new car, you don\u2019t need to apply for the new car loan, which will trigger a hard inquiry and likely lower your credit score.<\/p>\n\n\n\n<p>There are <a href=\"https:\/\/www.lexingtonlaw.com\/education\/three-credit-bureaus\" target=\"_blank\" rel=\"noreferrer noopener\">three main credit bureaus<\/a> and multiple scoring models, though approximately <a href=\"https:\/\/www.ficoscore.com\/about#:~:text=FICO%20%C2%AE%20Scores%20are%20the,make%20better%E2%80%93informed%20lending%20decisions.\" target=\"_blank\" rel=\"noreferrer noopener\">90 percent of top lenders use FICO scores.<\/a><\/p>\n\n\n\n<p>Your credit score is made up of <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-affects-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">five factors<\/a>, all of which are weighted differently:<\/p>\n\n\n\n<ul>\n<li>Payment history: 35 percent<\/li>\n\n\n\n<li>Amounts owed: 30 percent<\/li>\n\n\n\n<li>Credit history length: 15 percent<\/li>\n\n\n\n<li>Credit mix: 10 percent<\/li>\n\n\n\n<li>New credit: 10 percent<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-read-your-credit-report\"><a><\/a>How to read your credit report<\/h2>\n\n\n\n<p>When <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/how-to-read-a-credit-report.html\" target=\"_blank\" rel=\"noreferrer noopener\">preparing to review your credit report<\/a>, there are a few things you can expect to find. Your credit report will be broken down into the following five sections, each of which you should review carefully.<\/p>\n\n\n\n<ul>\n<li><strong>Personal information:<\/strong> Review the spelling of your name and the accuracy of details including your address and Social Security number.<\/li>\n\n\n\n<li><strong>Employment history:<\/strong> Make sure the employers listed are all correct and note any you don\u2019t recognize.<\/li>\n\n\n\n<li><strong>Credit history:<\/strong> Ensure all account numbers, holdings, payment histories, statuses and account limits are accurate and that every account listed is yours.<\/li>\n\n\n\n<li><strong>Public records:<\/strong> If public records are listed, they should accurately reflect your personal information.<\/li>\n\n\n\n<li><strong>Credit inquiries:<\/strong> Credit inquiries should coincide with a known event, like an application you made for credit. Otherwise, it could be fraud.<\/li>\n<\/ul>\n\n\n\n<p>If you notice any errors or fraudulent activity, it\u2019s recommended that you take quick action and immediately file a police report, contact your lenders, check your credit report with all three bureaus and potentially <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-disputes\" target=\"_blank\" rel=\"noreferrer noopener\">dispute questionable items<\/a> on your report. Remember that information in your report could seriously affect your credit, so any discrepancies should be reported immediately.<\/p>\n\n\n\n<p>You can find specific instructions for filing disputes on each bureau\u2019s website:<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.equifax.com\/personal\/disputes\/\" target=\"_blank\" rel=\"noreferrer noopener\">Equifax<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/dispute.transunion.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">TransUnion<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.experian.com\/disputes\/main.html\" target=\"_blank\" rel=\"noreferrer noopener\">Experian<\/a><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"900\" height=\"609\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/06\/image-6.png\" alt=\"\" class=\"wp-image-19664\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/06\/image-6.png 900w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/06\/image-6-768x520.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-check-your-credit-score-faq\"><a><\/a>How to check your credit score: FAQ<\/h2>\n\n\n\n<p>Still have questions about checking your credit? We answer some frequently asked questions about credit scores below.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-often-should-you-check-your-credit-score\"><a><\/a>How often should you check your credit score?<\/h3>\n\n\n\n<p>Experts recommend checking your credit score and report at least once a year. If you\u2019re actively working on improving your score, you may want to check it once a month to see your progress.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-do-i-check-my-credit-score-myself\"><a><\/a>How do I check my credit score myself?<\/h3>\n\n\n\n<p>You can sign up for <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/best-credit-monitoring-services.html\" target=\"_blank\" rel=\"noreferrer noopener\">credit monitoring services<\/a> that will give you access to your credit score whenever you need it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-is-it-ok-to-check-your-credit-score\"><a><\/a>Is it OK to check your credit score?<\/h3>\n\n\n\n<p>Yes. Your credit score isn\u2019t negatively affected by you checking it yourself. It\u2019s only lowered temporarily if someone runs a hard credit check, like when you apply for a loan, a new line of credit or another service.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-s-the-best-place-to-check-your-credit-score-and-report\"><a><\/a>What\u2019s the best place to check your credit score and report?<\/h3>\n\n\n\n<p>You can use a <a href=\"https:\/\/www.lexingtonlaw.com\/our-services\" target=\"_blank\" rel=\"noreferrer noopener\">credit monitoring service<\/a> to check your score as often as you\u2019d like, and <a href=\"https:\/\/www.annualcreditreport.com\/index.action\" target=\"_blank\" rel=\"noreferrer noopener\">AnnualCreditReport.com<\/a> provides you with a free credit report once every 12 months.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-can-i-see-all-three-of-my-credit-reports-for-free\"><a><\/a>How can I see all three of my credit reports for free?<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.annualcreditreport.com\/index.action\" target=\"_blank\" rel=\"noreferrer noopener\">AnnualCreditReport.com<\/a> will let you see your credit report with all three credit bureaus.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"758\" height=\"493\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/06\/image-5.png\" alt=\"\" class=\"wp-image-19663\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-improve-your-credit\">How to improve your credit<\/h2>\n\n\n\n<p>These are some tried-and-true ways to work on boosting your credit:<\/p>\n\n\n\n<ul>\n<li>Pay your bills on time and in full when possible\u2014consider putting as many bills on auto-payment as you can.<\/li>\n\n\n\n<li>Keep your <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-utilization\" target=\"_blank\" rel=\"noreferrer noopener\">credit utilization<\/a> low.<\/li>\n\n\n\n<li>Pay down your debts.<\/li>\n\n\n\n<li>Keep your oldest credit cards and accounts open.<\/li>\n\n\n\n<li>Be careful about how often you\u2019re applying for new credit.<\/li>\n<\/ul>\n\n\n\n<p>And lastly, make sure you address any errors on your credit report. Many negative items can stay on your credit report for up to seven years (or longer). You\u2019re entitled to an accurate credit report and can dispute any mistakes. If you\u2019re not prepared to take on the dispute process yourself, let the consultants at <a href=\"https:\/\/www.lexingtonlaw.com\/our-services\" target=\"_blank\" rel=\"noreferrer noopener\">Lexington Law Firm<\/a> help you. Our credit consultants offer credit repair and credit education services, so consumers don\u2019t have to navigate these challenging situations on their own.<\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You can check your credit score for free from the three major credit bureaus or through your credit card company. Learn more about credit scores here.<\/p>\n","protected":false},"author":63,"featured_media":18366,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to check your credit score for free<\/title>\n<meta name=\"description\" content=\"You can check your credit score for free from the three major credit bureaus or through your credit card company. Learn more about credit scores here.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-to-check-credit-score.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to check your credit score and report for free\" \/>\n<meta property=\"og:description\" content=\"You can check your credit score for free from the three major credit bureaus or through your credit card company. 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