How to Check Your Credit Score Online
Check your credit score for free using a reputable website or app.
Steps
- 1
Choose a free credit score service
like Credit Karma, Experian, or your bank. Many banks include free scores.
- 2
Create an account
with your name, address, date of birth, and Social Security number. This verifies your identity.
- 3
Answer security questions
about your past addresses and loans. This confirms you are who you say you are.
- 4
View your credit score
on the dashboard. The service also shows your payment history, debt, and open accounts.
Frequently Asked Questions
Does checking my credit score lower it?Show
No. Checking your own credit score is a "soft pull" that does not affect your score at all.
Is Credit Karma accurate?Show
Credit Karma shows your VantageScore, which many lenders use. Your actual score with a lender may be different.
How often is my credit score updated?Show
Most free services update your score every week or month. Your score changes when new information reaches the credit bureaus.
What is a good credit score?Show
Scores range from 300 to 850. A score above 700 is considered good and helps you qualify for better loan rates.
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Written by the HowToDoStuff.online editorial team. Last updated .