Your free credit score is here.

A better score can help unlock the things you want — a great travel credit card, better interest rates, lower insurance premiums.

Always know your number (and how to improve it)

Check your score

See your free credit score whenever you like. Checking doesn't hurt your credit. Your information is updated every 7 days.

Monitor changes

Know when things change with 24/7 access to our free credit monitoring tool. Track your VantageScore® 3.0.

Build over time

Build your credit with personalized tips and a suite of tools. Learn from our expert staff, and trade ideas in our Community forum.

Understand what's behind your score

NerdWallet lists all your credit factors in one easy place so you never have to wonder where you stand. Plus, helpful ratings and clear explainers make it simple to know where you should focus.

free credit score factors
free credit score app

Add more points

Your credit score simulator lets you see how small shifts can mean big point increases. Explore actions like raising the limits on your cards, applying for new credit or extending your streak of on-time payments.

Your money, smarter with NerdWallet

Join the millions of people who are already using NerdWallet to improve their finances.

Your security. Our priority.

We always have your security in mind. Rest easy knowing your data is protected with 128-bit encryption. Learn more.

Frequently Asked Questions

What is my credit score — and why does it matter?

Information on how you’ve handled debt in the past is translated into a three-digit score predicting how likely you are to repay a future loan or credit card balance. The higher your score, the better you look to potential creditors.

With a low score, you may still be able to get credit, but it will come with higher interest rates or with conditions, such as depositing money to get a secured credit card. You also may have to pay more for car insurance or put down deposits on utilities. Landlords might use your score to decide whether they want you as a tenant.

But as you add points to your score, you'll gain access to more credit products — and pay less to use them. Borrowers with scores above 750 or so have many options, including the ability to qualify for 0% financing on cars and credit cards with 0% introductory interest rates.

What is a good credit score?

The most commonly used credit scoring models range from 300 to 850. Each lender sets its own standards for what constitutes a good credit score. But, in general, scores fall along the following lines:

  • 720 and higher: excellent credit
  • 690-719: good credit
  • 630-689: fair credit
  • 629 or lower: bad credit

How can I build my credit score?

The two biggest factors in your score are payment history and credit utilization (how much of your available credit you're using). That’s why they come first in this list of tips:

  • Pay all your bills, not just credit cards, on time. Late payments, a debt collection or a legal judgment against you will hurt your score.
  • Use no more than 30% of your credit limit on any card — and even less, if possible. The best scores go to people using 10% or less of their credit limit.
  • Keep accounts open and active when possible — that gives you a longer payment history and can help your credit utilization.
  • Avoid opening too many new accounts at once; new accounts lower your average account age and each application causes a small ding to your score. We recommend spacing credit applications about 6 months apart.
  • Check your credit reports and dispute any errors you find.

What goes into my credit score — and what doesn't?

Two companies dominate credit scoring in the U.S.: FICO® and VantageScore®. They calculate scores from information in your credit reports, which list your credit activity as compiled by the three major credit reporting agencies: Experian®, Equifax® and TransUnion®. If you have a good VantageScore®, you're likely to have a good FICO® Score, because both consider much the same factors:

  • Payment history: your record of on-time payments and any "derogatory" marks, such as late payments, accounts sent to collections or judgments against you.
  • Credit utilization: balances you owe and how much of your available credit you're using.
  • Age of credit history: how long you've been borrowing money.
  • Applications: whether you've applied for a lot of credit recently.
  • Type of credit: how many and what kinds of credit accounts you have, such as credit cards, installment debt (such as mortgage and car loans) or a mix.

A credit score does not consider your income, savings or job security. That’s why, in addition to your credit score, lenders also may check what you owe, how much you earn and assets you have accumulated.

How does NerdWallet get my score?

NerdWallet partners with TransUnion® to provide your VantageScore® 3.0, based on information in your TransUnion® credit report. Your score and credit report information is updated weekly. Note that lenders may make their approval decisions using a different credit scoring model or data source.

Is my credit score really free?

Yes! You can sign in to NerdWallet at any time to see your free credit score, your free credit report information and more.