Credit Infocenter

Best Places to Get Your Credit Score

Written by: Kristy Welsh

Last Updated: April 7, 2017

According to recent statistics published by WalletHub, 21.6 percent of Americans have a FICO Score lower than 600. According to the same study, Experian reported the national Vantage credit score went up from 669 in 2015 to 673 in 2016. Low credit scores equates to higher interest rates on loans and credit cards.

Many people are unaware of their poor credit standing because they do not realize there are numerous ways to get their credit scores as well as their credit reports. We have put together an extensive guide on places to go to get your credit scores and credit reports. Some offers include credit monitoring, some include one or more credit reports, and come offer a FICO Score or your VantageScore. 

Hopefully, this guide will help you choose the best place to get your credit scores. 

1) AnnualCreditReport.com

Of all the ways to get your credit reports and credit scores, this one is the easiest. By law, you are entitled to see your credit reports for free — from all three credit bureaus — once a year. But, if you want to see your credit scores, there is an additional fee. This is the authorized site you should be using to exercise this annual right:

  • By request through AnnualCreditReport.com every 12 months
  • Full credit reports from all three credit bureaus — TransUnion, Experian, and Equifax
  • See all three reports at once or stagger them throughout the year

NOTE: To see your credit reports, you must provide the personal information necessary to verify your identity and access your records. If you would rather not provide this information online, you can make your request by phone at 877-322-8228. Or fill out the Annual Credit Report Request Form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

2) Free Credit Scores and Monitoring

Though seeing your credit reports once a year is helpful, it’s really the bare minimum of credit report and credit score monitoring you should be doing on a regular basis. That’s why it’s a good idea to supplement AnnualCreditReport.com with one or more subscriptions to any one of these free credit monitoring sites. These site not only let you see your credit reports, but they will also let you see your credit score.

Here’s a list of the top sites for seeing your credit scores (VantageScores, not FICO), as well as your credit reports.

Credit.com

  • Credit Report Card* (limited info from Experian credit report)
  • VantageScore 3.0 based on Experian credit report (not a FICO Score)
  • Experian Credit Score (based on Experian’s own unique algorithm)
  • Updated every 2 weeks

*For a fee, you can see your full Experian credit report through Credit.com. (See details in “For a Fee” section below.)

Credit Karma

  • TransUnion and Equifax credit reports
  • VantageScore 3.0 based on Experian credit report (not a FICO Score)
  • Updated every 7 days

Credit Sesame

  • Credit Report Card* (limited info from TransUnion credit report)
  • VantageScore 3.0 based on TransUnion credit report (not a FICO Score)
  • Updated monthly

*For a fee, you can see your full Experian credit report through Credit Sesame. (See details in "For a Fee" section below.)

myBankrate

  • TransUnion credit report
  • VantageScore 3.0 based on TransUnion credit report (not a FICO Score)
  • Updated monthly

CreditCards.com

  • TransUnion credit report
  • VantageScore 3.0 based on TransUnion credit report (not a FICO Score)

Quizzle

  • TransUnion credit report
  • VantageScore 3.0 based on TransUnion credit report (not a FICO Score)
  • Updated every 3 months*

*For a fee, you can see credit reports through Quizzle more frequently. (See details in “For a Fee” section below.)

WalletHub

  • TransUnion credit report
  • VantageScore 3.0 based on TransUnion credit report (not a FICO Score)
  • Updated daily

NOTE: If you’re only going to subscribe to one of these sites, make it Credit Karma, as they show you credit reports from both TransUnion and Equifax. But it’s worth signing up for Credit.com, too. Even though the free option only includes a “Credit Report Card,” you at least get insight into your third credit report (and score) — from Experian.

3) Credit Scores and Credit Monitoring For a Monthly Fee

All of the following sites offer free services (listed above), but if you want to see your full credit reports and scores, it’s going to cost you.

Credit.com — $21.95/month*

  • Experian credit report
  • Experian FICO Score

*Start 7-day trial membership for $1. If you don’t cancel before the 7 days is over, the subscription kicks in for $21.95 a month.

Quizzle — $8 to $15/month

  • TransUnion credit report
  • VantageScore 3.0 based on TransUnion credit report (not a FICO Score)
  • Updated monthly

NOTE: We do not recommend any of these paid services. You can see your full Experian credit report for free through Experian CreditWorks Basic. You can see your full TransUnion credit report for free every 7 days through Credit Karma (as well as Equifax). WalletHub updates TransUnion credit reports daily. And as for your FICO Score, you can see that for free through Discover Credit Scorecard.

4) Credit Bureau Offers Where You Can Get Your Credit Scores

This next section might feel a bit overwhelming. If so, it might be worth skipping to our note at the end explaining why we don’t recommend any of these paid credit bureau services anyway.

Experian

Experian CreditWorks 1-Bureau Credit Monitoring — $21.95/month*

  • Experian credit report
  • FICO Score 8

*Start 7-day trial membership for $1. If you don’t cancel before the 7 days is over, the subscription kicks in for $21.95 a month.

Experian CreditWorks 3-Bureau Credit Monitoring — $24.99/month*

  • Quarterly access to credit reports and FICO Scores from all three credit bureaus
  • Daily access to Experian credit report and FICO Score 8

*$4.99 your first month

Experian 3-Bureau Credit Monitoring — $39.95 one-time fee

  • One-time access to your credit reports from all three bureaus
  • One-time access to FICO Score 8 from all three bureaus

Equifax

Equifax Complete Premiere Plan — $19.95/month

  • Regular access to Equifax Credit Score, which is based on their own unique algorithm (not FICO or VantageScore)
  • Annual access to 3-bureau Equifax Credit Scores and credit profiles

Equifax Complete Advantage Plan — $17.95/month

  • Regular access to Equifax Credit Score (not FICO or VantageScore) based on Equifax credit report
  • Annual access to 3-bureau Equifax Credit Scores and credit profiles

Equifax Complete Family Plan — $29.95/month

  • Regular access to Equifax Credit Score (not FICO or VantageScore) based on Equifax credit report
  • Annual access to 3-bureau Equifax Credit Scores and credit profiles
  • Covers two adults

Score Watch 1-Bureau Credit Monitoring — $14.95/month

  • Access to Equifax credit reports twice a year
  • Access to FICO Score 5 (based on Equifax credit report) twice a year

TransUnion

1-Bureau Credit Monitoring — $9.95/month

  • TransUnion credit report
  • VantageScore 3.0 based on TransUnion credit report

NOTE: Yes, these paid services give you access to FICO Scores, but you can see your FICO Score for free through Discover Credit Scorecard. And if it’s industry-specific FICO Scores you need, pay for them through myFICO.com (details below).

5) myFICO.com

Though it’s never necessary to pay to see your credit reports, it might be worth paying to see your industry-specific credit scores when you’re looking for auto or home financing. In that case, myFICO.com is the way to go.

FICO Essentials 1-Bureau Credit Monitoring — $19.95/month

  • Equifax credit report
  • FICO Scores 8 and 9, and industry-specific scores

FICO Ultimate 3-Bureau Credit Monitoring — $29.95/month

  • Credit reports from all three bureaus
  • FICO Scores 8 and 9, and industry-specific scores

FICO Score 1-Bureau Report — $19.95 one-time fee

  • One-time access to your credit report from the bureau of your choice
  • One-time access to FICO Scores 8 and 9, and industry-specific scores

FICO Score 3-Bureau Report — $59.85 one-time fee

  • One-time access to your credit report from all three credit bureaus
  • One-time access to FICO Scores 8 and 9, and industry-specific scores

NOTE: Of the four options above, we recommend the FICO Score 3-Bureau Report (for one-time access) or FICO Ultimate (for monthly access you can cancel anytime). The exception would be is if you know which bureau a lender is going to check; in that case, 1-bureau credit monitoring may be all you need.