Your credit score, free — and it stays free
See your Equifax VantageScore 3.0 with the factors driving it, updated on every check. It’s a soft inquiry: lenders never see it, and your score never moves because you looked.
Check my score freeWhat the numbers mean
| Score range | Band | What it typically means |
|---|---|---|
| 781–850 | Excellent | Best APRs and premium cards; approvals are near-automatic. |
| 661–780 | Good | Qualifies with most lenders at competitive rates. |
| 601–660 | Fair | Approvals available; rates run higher — compare carefully. |
| 300–600 | Needs work | Focus on secured cards and credit-builder products first. |
Bands shown for VantageScore 3.0. Individual lenders set their own cutoffs.
Free credit score FAQs
Is it really free to check my credit score?
Yes. Creating an account and checking your score costs nothing, ever. We earn marketing fees from lenders when you take an offer — you never pay us.
Does checking my score lower it?
No. We use a soft inquiry, which is visible only to you and never affects your score. Only formal credit applications create hard inquiries.
Which score do you show?
Your VantageScore 3.0 from Equifax, on the standard 300–850 scale. Lenders may use different models, so treat any single score as a strong estimate rather than the only number.
How often does my score update?
Each time you run a check in your dashboard you get a fresh read from Equifax, along with the factors currently shaping it.
Why is my score here different from my bank's?
Banks may show a FICO score or use a different bureau. Differences of 10–40 points between models are normal — the factors that improve one improve them all.
More questions? The full credit score FAQ covers inquiries, utilization, disputes, and score models in depth.