FREE CREDIT SCORE MONITORING
Get your free credit score today
Secured with TLS encryption
Check your score
We give you more than just a number
Useful alerts, comprehensive score breakdowns, and financial tools to get you to your goals.
- Numbers you can trust.
- Review your latest VantageScore® 3.0, powered by TransUnion.
- Clear factors.
- Understand the specific reasons behind your score and how to improve it.
- Personalized offers.
- Tap into Credible’s 5-star rated marketplace to find savings and prequalified rates.
Why your score matters
Start today and build for the future
- Better loan and credit card options
- A good credit score helps you get better interest rates and terms.
- Easier approval for whatever life brings next
- Zip through renting an apartment, getting a car, and other adulting.
- Fewer errors and surprises
- Check your score for unusual activity and catch fraud quickly.
What is my credit score?
Understanding your free credit score
Look behind the scenes and check where your score really comes from.
FAQ
There’s more to know about your credit score
A good credit score is typically 700 and above.
Your credit score is an indicator of how responsibly you use credit and manage debt. Lenders use it to determine whether you can borrow money and the interest rate you’ll be offered.
Depending on the factors impacting your score, it can take anywhere from a few months to a few years. If you’re consistently paying down your debt and making payments, you should see those positive behaviors reflected in your credit score each month.
It’s normal for your score to vary depending on what model you’re looking at, since they may weigh factors differently. The score you see from TransUnion uses the VantageScore® 3.0 model.
You can request your full credit report from TransUnion on their website, or request your free annual credit report from all three credit bureaus at AnnualCreditReport.com.
Positive information and accounts in good standing stay on your credit report for 10 years. Negative marks, like late payments or collections, typically stay on your report for up to 7 years.