You can check your credit score for free in less than two minutes on WalletHub, the first site with free daily credit score updates. Just quickly confirm your identity, and you'll get access to your latest credit score, based on your TransUnion credit report. You'll then be able to check your score for free at any time, on any device – including your smart phone and tablet.

Get My Credit Score - 100% Free

Fortunately, it is now easier than ever to see your credit score without paying for the service. From free credit score websites to credit card companies that offer free monthly credit score updates, there are plenty of places to check your credit score these days. So, the problem is not how to check your credit score, but rather where you should check it and whether you're seeing the latest information. Some free credit scores are updated far more frequently than others, and the services you get along with free scores vary, too.

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You can check your credit score by requesting a free copy of your credit  report by going to www.AnnualCreditReport.com or by calling 1-877-322-8228. Keep in mind that you can only do this once a year.

But if you sign up with WalletHub, you can check your credit score instantly, whenever you want, as many times as you want, and it's completely free!

A good credit score is a credit score of 700 to 749, based on the standard 300-to-850 scale. More than 14% of people have a good credit score, by that definition. A score of 750 or above is considered excellent credit, while scores from 640 to 699 are fair. If you're curious about whether or not you have good credit, you can check your latest credit score for free on WalletHub.

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Below, you can learn more about what having good credit really means, why it matters, how much money it can save you, and more. Just remember that individual lenders have the final say on whether a credit score is good, or at least good enough for approval. So there isn't one standard definition.

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The average credit score in the U.S. is 696 based on the VantageScore model and 714 based on the FICO score model. That means the average American has a good credit score.

Credit score averages vary based on geography and demographics, however. For example, while the average credit score in the North hovers around 727, it's about 30 points higher in all other parts of the country. Additionally, individuals in their 20's have an average credit score of 679, while people in their 50's have an average credit score more than 60 points higher.

Below, you can learn more about the average credit scores by year, state, age and more. Reviewing these credit score statistics will give you a better sense of how good your credit score is relative to those of your peers. Credit-score averages can also tell us a lot about the health of consumers' finances and the strength of the economy.

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You can get a free TransUnion FICO score through a Bank of America credit card account, select Barclays credit card accounts, and Discover's free Credit Scorecard program (open to all).

You cannot get a free FICO score from TransUnion directly. Instead, TransUnion allows you to view your VantageScore by paying $24.95 per month for a TransUnion account. That gives you unlimited access to your credit score, your credit report, and credit monitoring.

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The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 9/10 and VantageScore 3.0/4.0. It is important to check a reputable, accurate credit score because there are more than 1,000 different types of credit scores floating around.

The Credit Scores Lenders Check

If your objective is to see the exact credit score lenders will use to evaluate an application to borrow, that isn't possible. Lenders interpret credit data from the major bureaus in different ways, using publicly available credit data as the basis for their own proprietary credit score models. A car loan lender might weigh on-time car payments more heavily than mortgage payments, for example.

Checking the same credit score a lender uses isn't really necessary, either. Your credit score shouldn't vary too much from one credit-score model to another. Analysis from the Consumer Financial Protection Bureau found different scoring models put consumers in the same credit-quality category 73-80% of the time. So, if you have a good credit rating from one model, you'd likely have the same from another.

Best Way to Track Your Own Credit Score

The best approach is to track your credit score from one reputable source over time. Choosing one model to follow makes any variations in your score from model to model a moot point, and tracking your score's overall trend – whether it's increasing or decreasing – can tell you more than your specific credit score number at a given time.

If your score is increasing, good job! You're doing the right things, so keep it up. This upward trend shows your reliability as a borrower and is an indication that, with time, you will be eligible for better borrowing terms and rates.

If your score is regularly decreasing, this could be a sign of poor credit habits and could clue you into changes you need to make in your personal finances.

How to Easily Check Your Credit Score for Free

You can check your credit score and get personalized credit-improvement tips for free here at WalletHub.

You have a credit score if you've owned and used a credit card or loan in the last six to 24 months, even as an authorized user on a credit card account. Most people get their first credit score within a few months of their first credit account being opened. A credit score is a three-digit number that represents your credit history at a glance.

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The best way to improve your credit score is to stay on top of your payments. Some debts are considered 'good debt' and are preferred to others. For example, student loans are generally seen as an investment for your future, whereas excessive credit card debts could raise red flags. You can make minimum payments on all the debts and dedicate any extra cash into bad debts or loans with the highest interest rate. 

There are several ways to raise your credit score in 30 days. Reducing your credit utilization is one of the fastest ways to raise your credit score, and you can do it by paying down debt, spending less, paying your bill more often or asking for a higher spending limit. Disputing negative information on your credit report can help quickly, too.

1. Dispute Credit-Report Mistakes
2. Make a Big Debt Payment
3. Reduce Your Credit Card...

Capital One CreditWise is good because it's a free way to check your credit score anytime. It will also send you email alerts when there's important activity on your credit report, such as a hard credit inquiry or a new credit card account. Plus, it's available to everyone who signs up on the CreditWise website, not just Capital One customers. The credit score you get is the VantageScore 3.0 model, based on your TransUnion credit...