Where to get your free credit score

Lenders may also consider it a plus if you have a mix of credit accounts like a credit card and a personal loan with positive use. Credit utilization highly influential Your credit utilization rate measures the amount of credit you use relative to the amount available to you. Balances moderately influential Similar to credit utilization, this factor takes into account your total balances across your accounts — but in terms of the dollar amount and not the percentage.

If you already owe a fair amount elsewhere, lenders may be less inclined to extend more credit to you. Credit Karma offers a number of tools that could help you keep track of your credit.

And as with your credit scores, you can check your free credit reports as often as you like. Along with checking your credit scores regularly, this feature sends you an alert so you can sniff out any suspicious activity. Mobile app The Credit Karma mobile app allows you to check your credit scores on the go. The app also features tools ranging from the new Relief Roadmap to opt-in push notifications that help alert you to potential changes on your Equifax or TransUnion credit reports.

This kind of check can negatively affect your credit. Read more about the difference between hard and soft credit inquiries. If you see errors on your credit reports that may be affecting your credit scores, you have options to dispute those errors. In addition to creating a username and password, Credit Karma may ask you for your Social Security number.

This information allows us to confirm your identity with the consumer credit bureaus to ensure that we show you accurate data. You must be at least 18 years old to sign up for a Credit Karma account. Visit our dispute page to learn other ways you can submit a dispute. We get it, credit scores are important. No credit card required. Knowledge Center. Here are a few ways: Check your credit card, financial institution or loan statement. Many credit card companies, banks and loan companies have started providing credit scores for their customers.

It may be on your statement, or you can access it online by logging into your account. More about credit reports. Understanding hard inquiries on your credit report. Credit myths and facts you should know. How much do you know about credit? How long does information stay on my Equifax credit report? Find out what information stays on a credit report and for how long. Looking for something else? Access other helpful Equifax services.

Place or manage a freeze. X Modal. United Kingdom. Jerry Brown, Jordan Tarver. Contributor, Editor. Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. Get Started. Although they are interconnected, your credit report and credit score are separate. Was this article helpful? Share your feedback. Send feedback to the editorial team. Rate this Article.

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