Credit Infocenter

Best Places to Get Your Credit Score

Written by: Kristy Welsh

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) 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 sites 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.)

Bankrate

(Bankrate just took over CreditCards.com and Quizzle)

With the new Bankrate, your credit is run as you search for products.  They base your loan prequalification’s on:

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

WalletHub

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

There’s not a lot the credit bureaus offer for free, so it’s worth taking advantage of this free offer from Experian.

Experian CreditWorks Basic

  • See your Experian credit report and FICO score every 30 days

This makes a good supplement to Credit.com. Credit.com updates your Experian credit information every two weeks, but it’s only a Credit Report Card. Experian CreditWorks Basic shows your actual credit report.

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.

2) 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 — $24.99/month*

  • All 3 bureaus reports
  • 28 different FICO Scores
  • Credit Monitoring with all the perks

Credit Sesame — $9.95 to $19.95/month

  • One-time TransUnion credit report — $9.95 (flat fee)
  • Monthly credit reports from all three bureaus — $19.95 (recurring monthly) plus credit monitoring

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.

3) 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

It bears repeating that there is a free option:  You can see your FICO 8 credit score and Experian credit report for free.  Just give some personal identification and boom, access to your report and your score.  However, if you want to see all three credit report plus get credit monitoring, there is a paid option.

Experian CreditWorks Premium — $24.99/month*

  • Monthly 3-Bureau FICO® Scores*
  • 3-Bureau Credit Monitoring and Alerts
  • Daily FICO® Scores Based on Experian Data
  • Experian CreditLock with Alerts
  • FICO® Score Tracker
  • Identity Protection and Alerts
  • Up to $1 Million Identity Theft Insurance
  • Dedicated Fraud Resolution Support
  • Lost Wallet Assistance

*7 days free, then $24.99/month

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 Family Plan — $19.95/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 — $24.95/month

  • Unlimited access to TransUnion credit report
  • Unlimited access to VantageScore 3.0 based on TransUnion credit report

NOTE: Since we have already outlined in previous sections how to see your credit reports for free, there is no reason to pay for them through the credit bureaus. 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).

4) 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.

Basic — $19.95/month

  • Experian credit report
  • FICO Scores 8 and 9, and industry-specific scores
  • Updates every month

Advanced — $29.95/month

  • Credit reports from all three bureaus
  • FICO Scores 8 and 9, and industry-specific scores
  • Updates every three months
  • Credit monitoring with all the perks.

Premier - $39.95/month

  • Complete 3 bureau coverage
  • FICO Scores from all three bureaus
  • Updates every month
  • Credit monitoring with all the perks.

NOTE: Of the three options above, we recommend myFIco Advanced, unless you are actively repairing your credit, then you probably want to see your scores and credit reports more often, then go with Premiere.