5 Ways To Check Your Credit Score For Free (Without Hurting Your Score)

Checking your credit score is a valuable way of knowing where you stand financially. However, it is also important to check your credit history. A credit report provides specific information about your credit health, and it gives you the ability to ensure your data is correct. But, how do you get a peek at these reports and scores? Here are a few ways to do so.

Check Your Credit Report One Time a Year

Always check your credit report as a first step. AnnualCreditReport.com the website to visit to gain access to your Equifax, Experian, and TransUnion credit reports one time every year. This is a free service. It does not hurt your score. Try to check one report every four months for accuracy. This way, you can monitor them throughout the year.

Turn to Your Credit Card Lender

Some credit card lenders monitor the credit scores of their borrowers. Many communicate this information to you. Log into your account. Look for options to check your credit score for free. Chances are good they will offer it to you. Again, this is not a hard inquiry on your report.

Use Credit Karma or Credit Sesame

There are several sites, like these two, that provide access to you without charge. They do not pull a formal credit report. Therefore, these sites do not cause a hard inquiry on your credit report. You can get a good look at your score as well as get tips on how to improve your score.

Capital One

Capital One offers CreditWise to anyone – even if you do not have a Capital One credit card. The account allows you to check your TransUnion credit score (called your VantageScore). This is a very easy tool to use, and it takes just a minute to get information. It is safe and does not impact your credit score to check.


This location also offers a free credit score. You can access it one time every 14 days. There is no credit card required to sign up and no cost associated with it. It will provide you with some ads for third-party lenders, but this is an easy way to gather insight.

Talk to Your Lender

In some situations, your bank can provide you with this information. It is up to your lender to determine if they can provide you with your credit score. However, many offer this as a free service.

When you use these tools, be sure never to provide a credit card number or pay anything for the service. There is no need to do so. You can gather key information without any costs associated with the process.