Where to Find Your Credit Scores?

How to check my credit score

Your credit scores play a crucial role in your financial health. They are calculated based on the information in your credit history, so it’s important to review your credit reports regularly. Fortunately, there are several ways to access your credit scores and stay informed about your creditworthiness.

Check your Credit Card or Loan Statement

One convenient way to find your credit scores is by checking your credit card or loan statements. Many major credit card companies and lenders provide credit scores to their customers. You may find your score listed on your monthly statement or by logging into your account online. Keep in mind that different lenders may use different scoring models, so your scores may vary slightly.

Consult a Nonprofit Counselor

Nonprofit credit counselors and housing counselors trained by the U.S. Department of Housing and Urban Development can often provide you with a free credit report and score. These counselors can help you review your credit information and offer guidance on how to improve your creditworthiness. It’s a great option if you’re seeking personalized assistance along with access to your credit scores.

Explore Credit Score Services

Many companies now advertise “free credit scores” to consumers. These businesses can be affiliated with credit reporting companies, scoring companies, lenders, or other financial institutions. Some services make money from advertising and don’t charge a fee to access your scores.

There are also services that offer credit scores for purchase. For example, you can buy your FICO credit score at myfico.com. These services often provide additional features like credit monitoring, identity protection, and other benefits as part of a subscription package. Before enrolling in these services, it’s essential to understand what you’re signing up for and the associated costs. Some may offer a “free trial” for a limited time, after which you’ll need to cancel or pay a monthly fee. Remember that purchasing a credit score doesn’t require you to buy other services that may be offered simultaneously.

It’s worth noting that some credit score sources provide an “educational” credit score, which may differ from the scores lenders use. While an educational score is generally close to the scores used by lenders, there can be variations. When choosing where to obtain your credit score, make sure you understand the type of score being provided.


Accessing your credit scores is essential for understanding your financial standing and making informed decisions. By reviewing your credit reports, checking your credit card or loan statements, consulting nonprofit counselors, or exploring credit score services, you can stay on top of your credit health.


Q: Can I access my credit scores for free?
A: Yes, many companies offer free access to credit scores. However, it’s important to be aware of any associated fees or trial periods when signing up for these services.

Q: How often should I check my credit scores?
A: It’s generally recommended to review your credit scores at least once a year. However, if you’re actively monitoring your credit or planning to make a major purchase, it may be beneficial to check them more frequently.

Q: Are credit scores the only factor lenders consider when evaluating creditworthiness?
A: No, lenders also consider other factors such as income, employment history, and existing debt when determining creditworthiness. However, credit scores play a significant role in the decision-making process.

Q: Can I improve my credit scores?
A: Yes, you can improve your credit scores by paying bills on time, keeping credit card balances low, and maintaining a diverse mix of credit accounts. Building a positive credit history over time will help improve your scores.

Q: Are my credit scores the same across all credit bureaus?
A: Not necessarily. Different credit bureaus may use different scoring models and have varying information on your credit history, which can result in slight score differences. Monitoring scores from all three major credit bureaus (Equifax, Experian, and TransUnion) can provide a comprehensive view of your credit health.