The 8 Best Free Personal & Business Credit Score Sites

Credit Karma was one of the first online services to offer users free access to their credit scores. This service offers scores and reports from two agencies: Equifax and TransUnion (both VantageScore). Scores and reports are updated weekly. Credit Karma also offers free daily credit monitoring for TransUnion.

Credit Karma pulls data from Equifax, one of the only services to do so. Additionally, it offers many other useful financial tools for consumers. These include personalized credit card and loan recommendations, financial calculators, informative financial blog posts, credit monitoring, and even help with filing your taxes.

For a full Credit Karma breakdown, read our in-depth review.

Until recently, Discover offered free credit scores to all consumers, regardless of whether or not they were Discover customers. Unfortunately, as of June 2022, this service will be limited to primary Discover cardholders only. Discover is one of the only services to provide a free FICO score; most free credit score services provide your VantageScore. Discover’s FICO score is derived from Equifax, and it’s updated monthly.

Be aware, however, that because FICO offers several scores, the score shown on your Discover Credit Scorecard might not be the same score that your creditors are using. However, it might still be worth a look for educational and general credit monitoring purposes.

It’s important to note that checking your FICO credit score with Discover’s tools will not harm your credit. If you want a deeper dive into Discover’s Credit Scoreboard, check out the full review.

WalletHub offers a free credit score and credit report from TransUnion (VantageScore), including daily updates. When you log in to WalletHub, you’ll see your credit score front and center. You’ll also see information about your loans, lines of credit, and collection accounts as well as personal data, such as your name and address, and anything available from public records, including information about bankruptcy and child support.

In addition to your credit score, WalletHub offers other useful services to improve your credit and financials. Customers receive free monitoring of their TransUnion account as well as services such as customized advice to improve credit, credit card recommendations, and savings alerts. You can also access financial calculators to help you learn about student loan payments, mortgage payoffs, the true costs of homeownership, credit card interest rates, and more.

You can download the WalletHub mobile app, for iOS and Android, to have access to your credit score on the go. You can also access real-time notifications regarding your credit score. Learn more about WalletHub in our full review.

Chase offers TransUnion scores and reports via Credit Journey. This service is free and available to all consumers, not just Chase customers. Scores update weekly. You can opt to receive notifications when new credit inquiries or a new account opens, if your address or account status changes, if any fraud alerts or delinquent account notices are released, or if new public records are reported for you.

Chase also tracks your score over time and has a credit score simulator that shows how your score might change if you take certain actions. You can use the tool to simulate the effect on your credit score if changes occur in your credit usage, your number of balances, your payment history, and more.

You’ll also be shown what Chase credit cards you are prequalified for. This is a good way to explore your credit options without initiating a hard pull on your credit. Learn more in our full review of Credit Journey.

Experian’s free credit check gives you access to your scores from all three major credit bureaus: TransUnion, Equifax, and Experian. That gives you a more complete view of your creditworthiness. Experian updates its report monthly. You can also sign up for credit monitoring, for a fee, if you’re interested, and you’ll receive alerts of changes or suspicious activity that could impact your credit score.

Even if you don’t want to shell out $29.95/month for credit monitoring, you can sign up for basic alerts and a free Dark Web scan. Experian offers free customer support and has a mobile app to make it easy to stay on top of your credit score.

Credit Sesame offers not just free credit checks in addition but also paid services that let users monitor and grow their credit. You can use Credit Sesame to access your TransUnion credit score each day and take advantage of free credit monitoring and transaction alerts, for free.

You can also use Credit Sesame to build or repair your credit. Sesame Cash is a prepaid debit card issued in partnership with Community Federal Savings Bank. Use Sesame Credit to open a virtual secured credit card account. Your credit limit with this card will be equal to the amount you deposit in your Sesame Cash account. Transactions made using your secured card will be reported to the major credit bureaus, and as you make timely payments of your balance, your credit rating can improve. You can even get cash back and other rewards with your Sesame Card purchases.

Credit Sesame also offers paid plans, if you’re interested in gaining more, including access to your scores from all three major credit bureaus. Learn more about Credit Sesame in our full review.

Most of the free credit reports offered on this list are good resources for small business owners who rely on their personal credit ratings for their small business needs. If your business is a bit larger or has a longer history, you may have a business credit rating. While it’s not as easy to find free credit checks for business credit, Dun & Bradstreet’s Credit Signal is both easy and accessible.

Dun & Bradstreet’s free business credit check is somewhat limited, however. With the free version, you can receive notifications whenever there are changes to your D&B PAYDEX, Delinquency Predictor Score, Financial Stress Score, and Supplier Evaluation Risk Rating. You won’t be able to see your full business credit report unless you upgrade to CreditSignal Plus at $15/month. Compared to other paid plans that let you see your business credit score, that’s a bargain.

Nav business credit reports provide business owners with a summary of their business credit reports from Dun & Bradstreet, Experian, and Equifax as well as their own personal credit scores. Unfortunately, if you want to see your full credit reports and scores, you’ll need to upgrade to a paid version, with subscriptions ranging from $29.99-$49.99 per month.

With the free summary only, you’ll be able to receive 24/7 business and personal credit alerts. You’ll also be able to see cash flow alerts and insights and connect one-on-one with credit and lending specialists. Nav offers users resources and tips that can help establish and grow business credit. Unlike other resources on this list, Nav focuses on building your business credit rather than your personal credit rating.