How Can I Check My Credit Scores? | Equifax® (2024)

FAQs

How can I check my real credit score for free? ›

You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com. You may also be able to view free reports more frequently online.

Use a credit score service or free credit scoring site.

You're entitled to a free copy of your credit reports every 12 months from each of the three nationwide credit bureaus by visiting www.annualcreditreport.com.

Log on to the official CIBIL website and click on Know Your Score. Fill up the online form which asks for details such as name, date of birth, address, id proof, past loan history and other relevant data. On filling the form and accepting changes, you will be taken to the payments page.

The primary credit scoring models are FICO® and VantageScore®, and both are equally accurate. Although both are accurate, most lenders are looking at your FICO score when you apply for a loan.

You can start by going to the three major credit bureaus, Equifax, Experian, and TransUnion first by logging on to AnnualCreditReport.com to check your report for free. Each agency gives you access to your report once every 12 months.

Credit Karma goes the extra mile when it comes to the safe-keeping of our members' personal information. We use 128-bit or higher encryption to protect during the transmission of data to our site and encrypt data at rest. If we suspect any suspicious activity on your account then we'll alert you as soon as possible.

The free score from Self is not calculated by FICO, so while it's not a false score, it's not the score that most lenders will use to judge whether or not you're credit worthy. The credit score that Self uses is VantageScore 3.0 credit score from Experian/CSID.

In general, credit inquiries have a small impact on your FICO Scores. For most people, one additional credit inquiry will take less than five points off their FICO Scores. For perspective, the full range for FICO Scores is 300-850. Inquiries can have a greater impact if you have few accounts or a short credit history.

Can I check my own credit score without hurting it? ›

Good news: Credit scores aren't impacted by checking your own credit reports or credit scores. In fact, regularly checking your credit reports and credit scores is an important way to ensure your personal and account information is correct, and may help detect signs of potential identity theft.

In general, you can check your own credit score without harming it. Checking your credit score is an important part of monitoring your financial health. This is especially true if you're in the market for a new loan or other credit account.

By law, you can get a free credit report each year from the three credit reporting agencies (CRAs). These agencies include Equifax, Experian, and TransUnion.

Many credit card issuers and banks provide free credit scores to their customers. Personally checking your credit score won't affect it. Nor will checking your own credit report. However, when you apply for credit, the lender will make a so-called hard inquiry, which can lower your score a bit.

By law, you can get a free credit report each year from the three credit reporting agencies (CRAs). These agencies include Equifax, Experian, and TransUnion.

Talk to a credit or housing counselor. Find a credit score service. Buy your score from one of the three major credit reporting agencies: Equifax, Experian, or TransUnion.

With myFICO, you can view and monitor your FICO Scores and credit reports right from your fingertips. You'll get alerts on your iOS device when changes are detected.

The first step you can take towards finding your FICO Score is by checking with your bank or credit union. Hundreds of banks and credit unions partner with FICO through its Open Access Program. If your bank or credit union partners with FICO, log in to your account online.