August 6, 2016

Can I Get a Free Credit Score and Report?

Written By Jack Ryder
Last updated February 8, 2019

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Simple. Thrifty. Living.

Reader question: I want to know what my credit score is and want the report to go with it, but I don’t want to pay for it. How can I get that?

Depending on exactly what you are looking for, you have a couple of options. There are three different credit reporting bureaus — Equifax, Experian, TransUnion — and each offers a different credit report and score based on their own criteria. By law, you are guaranteed access to your credit report from each bureau once a year for free. So if you need to see just your credit report, this is the best option for you. .

If you want to see your credit scores, AnnualCreditReport is going to charge you, so you’ll need to find those elsewhere. Many credit card companies, including Barclay, will give you your updated credit score monthly as a feature of using their credit cards. They will give you your free credit score and an analysis of the score for free, no strings attached. You don’t even have to give them a credit card number.

If you want to find out more information about which companies offer the best credit report monitoring and credit score deals, check out our article on the Best Credit Report Monitoring Services.

About the Author

Jack Ryder

Jack Ryder has been working as a reporter and writer in the personal finance space for many years. He enjoys breaking down complicated finance information into easy-to-read articles, so his readers can better navigate their financial lives. He is currently the Editor of the Credit Repair and Debt Relief categories, although enjoys writing about all things finance. Jack has had articles appear in publications from the Huffington Post to Business Insider. You can contact Jack at

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