Discover your free credit score — it’s updated every 30 days
Curious about your credit score? With a Credit.com account, you can get your free credit score, which is updated every 30 days. It’s a great way to monitor your credit health, and track your progress against goals.
It’s your credit score
We think it’s important that you have access to your credit score, especially since it's not part of your free credit report. After all, it’s a number that lenders, landlords and others use to evaluate your credit worthiness. With Credit.com, you get a free credit score from Experian, the most comprehensive credit bureau in the U.S. Plus, you get your VantageScore 3.0 credit score! Get your free credit check »
See how your score compares
Find out how your credit score stacks up against others in your state and across the U.S., and then chart how your score changes over time. You get five easy-to-understand grades and your credit score, plus highlights of the most important items for you to watch. Use the personalized advice from our experts to better manage your credit starting today.
No credit card required
There are no tricks, or gimmicks. Your score is updated every 30 days, and you can always check it for free. We will never ask for your credit card. Review your profile now »
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You can check two credit scores per month for free on Credit.com. No credit card is required.
Most credit scores operate within the range of 300 to 850. Within that range, there are different general categories, from bad to excellent. They typically look like this:
- Excellent Credit: 750+
- Good Credit: 700 to 749
- Fair Credit: 650 to 699
- Poor Credit: 600 to 649
- Bad Credit: below 600
Remember, the term good can be relative. Different lenders and credit companies have different standards and qualifications.
Credit.com gets its scores from Experian and VantageScore 3.0, which are widely used by many financial institutions.
You can check your credit score as often as you’d like. Checking your credit score on a monthly basis is a great idea so you can keep track of any changes and monitor activity. It might be wise to check it more often if you have reason to suspect there is fraudulent activity on your account.
Your credit score is made up of five categories:
- Payment history, which accounts for 35% of your score.
- Credit utilization, which accounts for 30% of your score.
- Length of credit history, which accounts for 15% of your score.
- Types of credit, which accounts for 10% of your score.
- Account inquiries or new credit, which account for 10% of your score.
Because of this, a lot of things can negatively affect your credit score. Some of them include: late payments, applying for new lines of credit, going bankrupt or carrying a balance from month to month.
On the other hand, plenty of things can positively affect your credit. This includes things like having your credit cards for a long time, paying bills on time, having a variety of types of credit and using your credit card each month.