How to Check Credit Score for Free

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Credit scores are a prime factor in determining whether you will receive a loan, a certain interest rate or a lowered deposit amount. The higher your credit score is, the more likely it is that you will receive the loan, lower rates or smaller deposits amount. Some applicants choose to learn about their credit scores before applying for credit to better anticipate the outcome of an application. Knowing your score may help you avoid negatively impacting it due to multiple applications when seeking credit approval.

Potential Lenders

Contact a potential lender if you are considering a loan. Discuss the terms of the loan and inquire about the credit score requirement for approval of the loan.

Allow the potential lender to run your credit if the terms are agreeable. Provide the associate with your personal information, such as your name, address, Social Security number and other pertinent information as needed.

Discuss your credit score with the associate once he receives your score from the bureaus. Many lenders will discuss a potential borrower’s credit score with him when discussing rates and credit terms. If the terms are set and he does not mention your score, ask him what the scores were for each bureau.

Order your credit scores from the credit bureaus directly if you do not receive information about your score or you do not plan to apply for credit. As of 2011, a major credit bureau offers a 30-day free trial offer to view your credit scores online.

Credit Bureau

Take advantage of the 30-day free trial with Equifax to view your three credit bureau scores. Visit the Equifax website to begin signing up for your trial.

Input your name and email address into the form and click the “Get Your 3 Scores Now” link to begin your free trial. Enter your personal information, such as your address, Social Security number, date of birth and other details necessary to verify your identity.

Place a credit card on file with the bureau to view your credit score for free. Although you need to input a credit card, you may cancel your free trial within 30 days without cost.

View your credit scores for each bureau.

Print out your credit score information and store it in a safe location for future reference. As credit scores may change depending on loan payments or other financial aspects, only use the information as a guide for future reference.

Cancel your account with Equifax after viewing your scores and before the 30-day trial is over to avoid accruing charges. You may do so by signing into your account and choosing the option to cancel your credit score monitoring subscription before the trial period ends.


  • As of 2011, neither Experian or TransUnion offers a free trial offer to view your score.