Your credit score is an important measure of your financial status. It’s used to determine whether or not you’ll be approved for credit cards and loans, along with what kind of terms you’ll get.
You have several credit scores, including FICO (the most popular and most often used) and VantageScore (less popular but used occasionally).
All of the major credit card issuers now offer you the ability to check your FICO® Credit Scores for free at any time, without hurting your credit at all.
You’ll need to be a cardholder to access the service, except for Discover: they let anyone check their credit score for free.
Each issuer will use one of the credit bureaus to generate your FICO score: Experian, Equifax, or TransUnion. These three companies each create their own credit report, so you may see some slight differences if you check your score with different issuers.
All American Express credit cards and charge cards offer a free FICO Score 8, based on your Experian credit report.
Bank of America
All Bank of America cardholders can access their FICO Score 8 for free, based on their TransUnion credit report.
You’ll need to click here and enroll to begin getting your score for free.
Cards from Barclaycard provide a free FICO Score for cardholders, based on their TransUnion credit report.
Capital One cardholders can use the CreditWise service and app to monitor their FICO Score, based on their TransUnion credit report.
You can also use the credit simulator to test the effects of different actions, like paying off debt or getting credit cards.
The Chase Slate balance transfer credit card is the only card from Chase that provides a free FICO Score. It’s based on your Experian credit report.
Commerce Bank credit cards offer a free FICO Score.
Citi credit cards come with free access to your FICO 8 Score, based on your Equifax credit report.
Synchrony issues many store credit cards, and some of them may offer a free credit score. Check with customer service to learn if your card offers this.
USAA credit cards come with a free credit tracking service, using your FICO Score based on your Experian credit report. You’ll also be able to check your actual Experian credit report for free.
For $7.95 per month, you can also have an identity monitoring service to protect against identity theft. For $12.95 per month, you can receive credit scores and credit reports from all three credit bureaus: Experian, Equifax, and TransUnion.
US Bank credit card owners can access their FICO Score for free, based on
Walmart Credit Card
Eligible consumer credit card owners can access their FICO Score for free. Check with customer service to learn if your card offers this.