Home Credit Score How Do I Get My Credit Score For Free?

How Do I Get My Credit Score For Free?

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We come across a lot of expenses in our lives. We meet some of these expenses with our income and while our income is not enough to some of these expenses, we get the credit or credit card. For this reason, credit score has an important place in all of us’s lives and we need to follow and improve the credit score continuously. To do this, there are many ways to get your credit score for free.

Before learning how to get your credit score for free, you need to know; credit scores are calculated according to the information in the credit reports prepared by three main credit reporting institutions. These three credit reporting institutions; Experian, Equifax and TransUnion. Lenders will provide information to one, two or all of the three credit reporting agencies based on the payments you make. Credit reporting institutions generate your credit reports with this information. The informations obtained by each credit reporting agency and the credit score calculation systems used by each credit reporting agency are different. So when you want to get your credit score for free, you will see that you have multiple credit scores.

  • According to Experian, credit score ranges are;

Your credit score can be up to 999 at Experian. Very poor: 0-560, Poor: 561-720, Fair: 721-880, Good 881-960, Excellent: 961-999.

  • According to Equifax, credit score ranges are;

Your credit score can be up to 700 at Equifax. Very poor: 0-278, Poor: 279-366, Fair: 367-419, Good 420-466, Excellent: 467-700.

  • According to TransUnion, credit score ranges are;

Your credit score can be up to 710 at TransUnion. Very poor: 0-550, Poor: 551-565, Fair: 566-603, Good 604-627, Excellent: 628-710.

Your credit score, calculated by the places where you will receive your credit score for free of charge, depends on which credit reporting agency calculates your credit score using the information in the credit reports. For this reason, you need to know where the three credit reporting agencies use credit reports separately. If any of the credit reports have missing information, your credit score will be calculated differently.

Where are your credit score for free calculated according to Experian credit reports?

  • American Express;

American Express Experian is one of the places where you can get your credit score for free calculated based on your credit reports. However, to be eligible for this service, you must be one of the primary card members who makes a monthly statement and has an appropriate score. This means that; if you’re an authorized user and if your card activity was enough to generate a statement, you can get your credit score for free of charge every month.

Chase Slate card holders can take out credit score for free each month through the Slate Credit Dashboard. You don’t need to do anything to update this credit score, it is automatically updated. This program went into effect on June 9, 2019 and was included in the Chase Credit Journey program instead.

  • Discover;

Discover lets you redeem the credit score for free calculated on Experian of charge every month with Credit Scorecard. Your credit score is calculated on the day you request. So if you want to get your current credit score for any reason, you can reach it at any time.

  • Experian;

Experian allows you to get your credit score calculated on its own credit reports on the FreeCreditScore website every month. Moreover, everyone can get credit score for free here.

  • USAA;

If you become a member, USAA will help you to find out your credit score calculated through Experian credit reports through CreditCheck. With USAA you can get your credit score for free, which is updated automatically every month.

  • Wells Fargo;

Provides access to credit scores calculated in accordance with the Experian credit reports for people who are registered with Wells Fargo online banking and are the main account holder of the Wells Fargo consumer account. They can take out credit score for free on or around the 5th day of each month.

Where are your credit score for free calculated according to TransUnion credit reports?

  • American Express;

American Express helps you get credit score for free every week through the MyCredit Guide. It is a suitable option for those who want to have access to credit score at any time.

  • Bank of America;

Bank of America provides credit score for free every month to eligible customers with consumer credit cards. You do not need to request your credit score to be updated, the credit score update will take place automatically.

  • Barclays;

Barclays allows credit card holders to take out the credit score for free calculated in accordance with TransUnion credit reports.

  • Capital One;

Capital One credit card holders can take out the credit score for free calculated on TransUnion credit reports via CreditWise.

  • Chase;

People who have a Chase credit card can receive the credit score for free calculated in accordance with TransUnion credit reports. They can also access credit score for free each week.

  • S. Bank;

U.S. Bank, allows credit holders to take out the credit score for free calculated on the basis of TransUnion credit reports on the CreditView Dashboard.

Where are your credit score for free calculated according to TransUnion credit reports?

  • Citi;

Citi is the only bank that provides access to credit score for free calculated based on Equifax credit reports. Select Citi card holders are eligible for this service each month. The credit score is updated automatically every month. Some of the select Citi cards are;

  • CitiBusiness / AAdvantage Platinum Select World Mastercard,
  • AT&T Access Card from Citi,
  • Citi Prestige,
  • Citi Dividend,
  • Citi® Double Cash Card.

From non-bank resources take out credit score for free

You will not only take out credit score for free through banks, also some third-party websites provide users with credit score for free. However, you should remember that before using these websites; Banks have data protection requirements but these websites do not have data protection requirements.

Here are the websites you can use to get your credit score for free;

  • Quizzle,
  • com,
  • Credit Karma,
  • Credit Sesame,
  • Mint.

 

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