How to Check Your Credit Score for Free [2025 Guide]

Checking your credit score doesn’t have to cost you anything — and knowing your score is a key step in managing your financial health. Here’s how to check it quickly and safely without spending a dime.

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1. Use a Free Credit Monitoring Service

Many websites and apps offer free credit score access.
👉 Credit Karma and Credit Sesame are two trusted options that provide free VantageScore updates.

2. Check with Your Credit Card Company

Many credit card issuers now offer free FICO scores to cardholders. Look in your online account under “Credit Score” or “Account Services.”

Popular cards that offer this include:

• Discover
• Capital One
• American Express

3. Use Your Bank or Credit Union

Several banks provide free credit score tracking for their customers:

• Chase Credit Journey
• Wells Fargo Credit Close-Up
• Bank of America FICO Score Access

Check with your bank to see if they offer this service.

4. Get a Free Report Annually

You’re entitled to one free credit report per year from each major credit bureau.
👉 Visit AnnualCreditReport.com — the only government-authorized site for truly free reports.

(Note: Your report doesn’t always include your score, but you can check for errors that impact your score.)

5. Be Cautious of “Free Trial” Offers

Some sites offer a free credit score but require you to enter a credit card and start a trial membership. Stick to services that are truly free to avoid surprise charges.

Final Thoughts

Keeping tabs on your credit score is a smart financial habit — and you don’t need to pay for it. With these free tools and services, you can stay informed and work toward improving your financial health in 2025.

P.S. For more personal finance guides and smart money tips, visit Date Night Now — your 2025 resource for better money moves!