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Free Credit Report Card

Check your credit score for free. No credit card required.

Your path to better credit starts here. Check your free Experian® credit score, updated every 14 days — no credit card needed. See where you stand and what’s holding you back with your Credit Report Card, so you can take the right steps toward stronger credit and greater financial confidence.

Get your free credit score
Why Credit.com?

Get ongoing access to your credit score, insights, and tools that help you take control of your financial future — all for free.

Get Your Free Experian® Credit Score

See your free Experian® VantageScore 3.0, updated every 14 days. Experian® is one of the three major credit bureaus — so you know your score comes from a trusted source.

Understand What Drives Your Score

Go beyond the number. Your Credit Report Card breaks down the five key factors that impact your credit — from payment history to credit utilization — and shows where you’re doing well and where to improve.

Get Personalized Credit Offers & Insights

We’ll match you with credit cards, loans, and tips that fit your unique credit profile. See interest rates, fees, and recommendations tailored to your score — so you can make smarter financial choices.

Access Your Score Anytime, Anywhere

Stay on top of your credit with our free mobile app for iOS and Android. Check your score, track your progress, and get updates no matter where life takes you.

Your credit score basics

How does Credit.com get my credit score?

OK, we’ve established that Credit.com provides your credit score and Credit Report Card completely free of charge. But how exactly do we get your credit score? It comes directly from Experian®, one of the three major credit bureaus. Not only that, but you’ll get access to your Credit Report Card. It’ll dig into the five factors that affect your credit score—payment history, debt usage, credit age, account mix, and credit inquiries—and give you a personalized action plan to help you reach your credit and financial goals.

What’s my credit score?

Your credit score is used for a lot—even if you don’t know it. Sure, you need your credit score to apply for things like credit cards, loans, and mortgages. But did you know that you may need a credit score to rent an apartment? To get decent interest rates? Trust us—you don’t want to apply for any credit line before checking your score. Plus, keeping an eye on your score can help you look out for identity theft and fraud. With your credit, it’s better to be safe than sorry.

When and why does my credit score change?

Honestly, your credit score can change whenever. It depends on many things, like whether you pay your bills on time, when you pay your balances, if/when you apply for a new line of credit, and when you open or close a new account. Plus, it can take 30 to 60 days for your creditors to report your information to the credit bureaus. Because your score can really change at any time, it’s important to keep track of it. 

How to read your free credit score

So, what exactly does your credit score mean? To understand your credit score, it's helpful to be familiar with the five ranges: Excellent, Good, Fair, Poor, and Very Poor.

Very poor | 300-499

You may struggle to get approved for new credit. If your score falls in this range, look for ways to repair your credit. 

Poor | 500-600

You may have a hard time getting approved for loans—and if you do, you might not qualify for the best interest rates. 

Fair | 601-660

Lenders will likely approve you for credit, although you might not qualify for the most ideal rates. 

Good | 661-780

With a good credit score, you'll likely still be able to qualify for competitive interest rates. 

Excellent | 781-850

Lenders view those with an excellent credit score as low risk, so you'll likely qualify for the lowest interest rates and best loan terms.

What factors determine your credit score?

Below are the five key factors that determine your credit score:

Payment history
Payment history
35% of score
The most significant factor in determining your credit score is how timely you pay your bills. Frequent late payments can damage your score.
Credit usage
Credit usage
30% of score
Your credit utilization ratio is the amount of credit you're using divided by your credit limit. We suggest keeping this number under 30%.
Credit age
Credit age
15% of score
Older account ages provide lenders with a complete look at how you manage your credit.
Account mix
Account mix
10% of score
Having several different accounts proves to creditors that you can handle different debt types. Examples include credit cards, auto loans, and mortgages.
Credit inquiries
Credit inquiries
10% of score
Opening multiple credit accounts in a short period of time can signal to lenders that you may be a risky borrower.
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Payment history
35% of score
The most significant factor in determining your credit score is how timely you pay your bills. Frequent late payments can damage your score.
group_2-1
Credit usage
30% of score
Your credit utilization ratio is the amount of credit you're using divided by your credit limit. We suggest keeping this number under 30%.
group_3-1
Credit age
15% of score
Older account ages provide lenders with a complete look at how you manage your credit.
group_4-1
Account mix
10% of score
Having several different accounts proves to creditors that you can handle different debt types. Examples include credit cards, auto loans, and mortgages.
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Credit inquiries
10% of score
Opening multiple credit accounts in a short period of time can signal to lenders that you may be a risky borrower.
FAQs

You can access your credit report snapshot for free at Credit.com. While this is not a full credit report, it can also give you a picture of the five key areas in your credit report.

Checking your credit report through the bureaus using AnnualCreditReport.com is a soft inquiry, meaning it will not damage your credit score. That’s because when you check your credit report, you aren’t applying for a new line of credit. Other soft inquiry examples include an employer pulling your score or a lender sending you preapproved credit card offers.

Your credit report provides a full overview of your credit history, including personal information, delinquent accounts, and accounts in good standing. Your Credit Report Card is a summary of all of this, showing you how you’re doing in the areas that make up your credit score.

Your credit score and credit report are separate from one another. Your report is your entire credit history of all your installment and revolving credit accounts. On the other hand, credit score is a number calculated from your credit history that shows where you stand regarding credit health. Even though the two are related, you often have to request them separately.

A good credit score falls in the 661 to 780 range, while a score above that is considered excellent.