How to Check Your Credit Score for Free, in 2 Minutes
It’s easy to check your credit score and, in many cases, it’s free. For example, you can check your credit score for free in less than two minutes on WalletHub, the only site that offers free daily updates. You just have to quickly confirm your identity, and you’ll be on the road to top WalletFitness.Get My Credit Score - 100% Free
In addition to free online services such as WalletHub, many credit card companies offer free monthly credit scores to their customers and, in a couple of cases, the general public. Here’s a quick comparison of some of the most popular ways you can check yours:
Popular Places to Check Your Credit Score
|Company||Cost||Scores Updated…||WalletHub User Rating||Free Credit Report?||24/7 Credit Monitoring|
|Credit Sesame||Free||Monthly||4.5 Stars||No||Yes|
|Capital One||Free||Monthly||4.0 Stars||No||Yes|
|Credit Karma||Free||Weekly||4.5 Stars||Yes||Yes|
|Mint||Free||Every 3 Months||4.5 Stars||No||Yes|
Note: Some providers with paid services offer free trials. For simplicity, we did not list that information in the table above.
For more information about these credit-score providers and a complete list of where you can get your credit score, check out our detailed comparison of the best credit-score sites.
Benefits of Checking Your Credit Score
It’s always good to brush up on the benefits of checking your credit score. And in short, checking your credit is important because it:
- Gives you a good sense of your financial fitness;
- Helps you qualify for the best credit cards and loan terms
- Makes comparing financial products easier, as most offers list the credit standing (e.g., Excellent, Good, Bad) you need to qualify; and
- Tells you how closely you need to review your credit reports. A score that is much lower than you’d expect is an obvious red flag, perhaps indicating potential fraud.
Finally, it’s important to remember that virtually everyone has room for credit-score improvement. And a better credit score could be worth thousands of dollars per year. Plus, tending to your score doesn’t have to cost you a dime or much time. So check out our handy credit-improvement tips to get started.
Which Credit Score Should You Check?
Most people don’t know it, but we each have many different credit scores — more than 1,000, according to some estimates. But the truth is it doesn’t really matter which one you check, as long as it’s free and from a reputable source.
There are a couple of important reasons for that:
- Similar Results: The Consumer Financial Protection Bureau found a 90% correlation among a selection of the most common credit-score models.
- Hard to Get a Lender’s Exact Score: It’s often impossible to determine the exact type of credit score a lender will use, particularly because many lenders customize people’s credit scores to fit their industry or company’s needs. And if you can’t get the particular type of credit score your lender of choice will use to evaluate your application, there’s really no reason to be picky.
You can learn more about all of this in our article on why there is no “real” credit score. For what it’s worth, WalletHub’s free credit scores are based on the VantageScore 3.0 model. VantageScore 3.0 is one of the most popular types of credit scores among lenders. And it is considered by some to be the most predictive credit score available.
Image: Jane_Kelly / iStock.
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