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Get MatchedThe 8 Best Free Personal & Business Credit Score Sites
Wondering how to check your business credit score for free? These sites offer a variety of free personal and business credit checking services.
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Last updated onUpdated
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Your business credit score is the key to getting loans, being approved for credit cards, and accessing goods and services at reasonable rates. When you apply for any type of business credit, the creditor will make a decision based on your credit score. That’s why it’s a good idea to know your credit score before you apply, whether you’re seeking credit or just trying to improve your score.
If you’re ready to get a good overall picture of your credit health, several reputable websites offer a free credit score check.
Learn More About Our Top Picks
| Company | Best For | Next StepsBest For |
|---|---|---|
Credit Karma
 | Best for daily credit monitoring | Best for daily credit monitoring
|
Dun & Bradstreet
 | Best for business credit scores | Best for business credit scores
|
Discover Credit Scorecard
 | Best for Discover Card customers | Best for Discover Card customers
|
WalletHub
 | Best for finance tools | Best for finance tools
|
Chase Credit Journey
 | Best for prequalified offers | Best for prequalified offers
|
| Show More Options | ||
Experian
 | Best for Experian credit monitoring | Best for Experian credit monitoring
|
Credit Sesame
 | Best for building credit | Best for building credit
|
Nav
 | Best for credit-building tools | Best for credit-building tools
|
| Show Fewer Options |
Read more below to learn why we chose these options.
Table of Contents [hide][show]
- Credit Karma: Best For Daily Credit Monitoring
- Dun & Bradstreet Credit Signal: Best For Business Credit Scores
- Discover Credit Scorecard: Best For Discover Card Customers
- WalletHub: Best For Finance Tools
- Chase Credit Journey: Best For Prequalified Offers
- Experian Credit Report: Best For Multiple Scores
- Credit Sesame: Best For Building Credit
- Nav Business Credit Reports: Best For Credit-Building Tools
- What Is A Credit Score?
- What's Considered A Good Credit Score?
- How Credit Scoring Works
- Hard VS Soft Credit Inquiries
- VantageScore VS FICO
- When To Use Free Annual Credit Reports
- When To Use Free Credit Score Services
Table of Contents
- The 8 Best Free Credit Score Sites For Small Businesses
- Credit Karma: Best For Daily Credit Monitoring
- Dun & Bradstreet Credit Signal: Best For Business Credit Scores
- Discover Credit Scorecard: Best For Discover Card Customers
- WalletHub: Best For Finance Tools
- Chase Credit Journey: Best For Prequalified Offers
- Experian Credit Report: Best For Multiple Scores
- Credit Sesame: Best For Building Credit
- Nav Business Credit Reports: Best For Credit-Building Tools
- What Is A Credit Score?
- What's Considered A Good Credit Score?
- How Credit Scoring Works
- Hard VS Soft Credit Inquiries
- VantageScore VS FICO
- When To Use Free Annual Credit Reports
- When To Use Free Credit Score Services
The 8 Best Free Credit Score Sites For Small Businesses
The best free credit score sites let you check your credit score for free with no hard pull on your credit, all while maintaining high levels of security.
Credit Karma: Best For Daily Credit Monitoring
Credit Karma |
|---|
Why We Chose Credit Karma
Credit Karma was one of the first online services to offer users free access to their credit scores. It provides scores and reports from Equifax and TransUnion using the VantageScore model, with updates typically occurring weekly. Credit Karma also offers ongoing credit monitoring, including alerts based on changes to your TransUnion report.
In addition to credit tracking, Credit Karma offers a range of financial tools, including personalized credit card and loan recommendations, calculators, educational content, credit monitoring, and even tax filing.
Dun & Bradstreet Credit Signal: Best For Business Credit Scores
Dun & Bradstreet |
|---|
Why We Chose Dun & Bradstreet
While free business credit tools are limited, Dun & Bradstreet offers a platform called Credit Insights for monitoring business credit. This tool allows business owners to track changes to their credit profile over time and stay informed about activity that could impact their ability to qualify for financing, secure vendor terms, or negotiate better rates. It’s designed to give you a high-level view of your business credit health without requiring a paid subscription.
The free tier provides alerts and limited visibility into changes in your credit file, including updates to key scores and ratings. However, access to full business credit reports, detailed payment history, and complete score data typically requires upgrading to one of Dun & Bradstreet’s paid plans, which offer more in-depth insights and reporting tools.
Get Started With Dun & Bradstreet
Discover Credit Scorecard: Best For Discover Card Customers
Discover Credit Scorecard |
|---|
Why We Chose Discover Credit Scorecard
Discover Financial Services offers a free credit score tool called Credit Scorecard, which provides access to your FICO Score 8. This score is typically based on your TransUnion credit report and is updated monthly. Free access is available to Discover cardholders.
Keep in mind that FICO has multiple scoring models, so the score shown through Discover may differ from the one a lender uses. Still, it can be a useful tool for general credit monitoring and understanding your credit health.
Get Started With Discover Credit Scorecard
WalletHub: Best For Finance Tools
WalletHub |
|---|
Why We Chose WalletHub
WalletHub offers a free credit score and credit report summary based on TransUnion data using the VantageScore model, with updates provided daily. When you log in, your credit score is displayed prominently, along with details about your accounts, such as loans, lines of credit, and collections, as well as personal and public record information like bankruptcies.
In addition to your credit score, WalletHub provides tools to help you improve your financial health. Users receive ongoing credit monitoring, personalized credit improvement tips, credit card recommendations, savings alerts, and access to financial calculators covering topics like loan payments, mortgages, and credit card interest.
WalletHub also offers a mobile app for iOS and Android, allowing you to check your credit score on the go and receive alerts when changes are detected.
Chase Credit Journey: Best For Prequalified Offers
Chase Credit Journey |
|---|
Why We Chose Chase Credit Journey
JPMorgan Chase offers a free credit monitoring tool called Credit Journey, which provides a VantageScore 3.0 based on data from Experian. The service is free and available to all consumers -- not just Chase customers -- with scores typically updated on a weekly basis.
Users can opt in to alerts for key changes, such as new credit inquiries, newly opened accounts, changes to account status, or potential identity risks like data breaches. Credit Journey also tracks your score over time and includes a simulator that shows how different actions -- such as changes in credit usage, balances, or payment history -- might impact your score.
In addition, the platform may show prequalified Chase credit card offers, allowing you to explore options without triggering a hard credit inquiry.
Get Started With Chase Credit Journey
Experian Credit Report: Best For Multiple Scores
Experian |
|---|
Why We Chose Experian
Experian offers a free credit check that provides access to your FICO Score 8 based on your Experian credit report. While this doesn’t include data from all three credit bureaus, it still offers a useful snapshot of your credit health.
Your credit information is typically updated monthly or whenever new data is reported. Experian also offers both free and paid credit monitoring options. The free version includes alerts for changes to your Experian credit file, along with features like a basic dark web scan. Paid plans expand on this with additional monitoring, identity protection tools, and access to more detailed credit data.
Experian also provides customer support and a mobile app, making it easy to stay on top of your credit and receive alerts about important changes.
Credit Sesame: Best For Building Credit
Credit Sesame |
|---|
Why We Chose Credit Sesame
Credit Sesame offers free credit score access along with tools designed to help users monitor and improve their credit. Users can view a VantageScore 3.0 based on TransUnion data, along with a summary of their TransUnion credit report. The platform also includes free credit monitoring alerts to help track changes to your credit profile.
Credit Sesame also provides credit-building tools. Its Sesame Credit Builder feature is designed to help users build credit through eligible everyday debit purchases, without requiring a credit check, security deposit, or carrying a balance.
For users who want more detailed information, Credit Sesame offers paid plans that may include access to credit scores and reports from all three major credit bureaus, along with expanded monitoring and additional features.
Get Started With Credit Sesame
Nav |
|---|
Why We Chose Nav
Nav provides business owners with access to a summary of their business credit data from major bureaus like Dun & Bradstreet, Experian, and Equifax, along with select personal credit information. The free version offers limited visibility into this data rather than full credit reports and scores.
With a free account, users can receive ongoing alerts for changes to their business and personal credit profiles, along with cash flow insights and credit monitoring tools. Nav also provides educational resources and recommendations to help users build and improve their business credit.
Paid plans offer more detailed credit data, including full reports and scores, along with additional features that may include enhanced monitoring and access to financing tools or expert support.
What Is A Credit Score?
Credit scores are numbers that represent your creditworthiness. As your small business grows and spends, the business may develop a credit profile that’s separate from yours.
Although we’ll talk a little bit below about how to check your business credit profile, most small business owners will have to rely on their personal credit scores when seeking credit for their small business.
What's Considered A Good Credit Score?
Your credit score indicates how likely you are to pay on time in the future. Personal credit scores range anywhere from 300 to 850, while a true business credit score will range from 0 to 100. The higher your score, the better.
Every creditor has their own ideas about what’s considered “good” credit, but typically, if you have a personal score above 600, you will have a relatively easy time finding creditors willing to work with you. Keep in mind, the higher your credit, the better rates you’re likely to be offered.
How Credit Scoring Works
Contrary to popular understanding, you don’t have just one credit score; in fact, you have many. Credit scores are derived from your credit report: a history of your past debts, payments, and other information gathered by credit reporting agencies. The three big credit reporting agencies are Experian, Equifax, and TransUnion. While all three agencies gather similar information about you, they might not have the same information. You can learn more about the ins and outs of the agencies via our guide to the three major credit bureaus.
A scoring algorithm, usually either VantageScore or FICO, is applied to your credit report to come up with your score. As such, you could see different credit scores, depending on the scoring system and the credit report your information was derived from.
Hard VS Soft Credit Inquiries
There are two types of credit inquiries, hard inquiries (or hard pulls) and soft inquiries (or soft pulls). Lenders who are considering extending credit to you typically initiate a hard inquiry, and that can affect your credit score.
Soft inquiries, on the other hand, do not affect your credit score. All of the tools listed here involve soft pulls and won’t impact your credit score
VantageScore VS FICO
As we said above, many small business owners use their personal credit scores to apply for loans, credit cards, and more. Personal credit scores are derived from your credit report using one of two scoring models: VantageScore and FICO. Although both VantageScore and FICO use scales of 300 to 850, they might return different scores, because they place importance on different factors.
That can be a bit of a problem, since most free credit score services get their data from VantageScore while many creditors will look at your FICO score. If a potential lender pulls your TransUnion FICO score, for example, they will get a different number than the one you receive from your free credit score service.
That said, the difference in scores usually is not significant. If you have a high FICO score, you will also have a high score from VantageScore. Conversely, if you have poor (or inaccurate) marks on your report, they will be reflected by both VantageScore and FICO as a lower score. For general credit score monitoring, either VantageScore or FICO will suit most consumers’ purposes.
When To Use Free Annual Credit Reports
You should know that, by law, Experian, TransUnion, and Equifax are required to issue a free copy of your credit report every 12 months. Consumers who request a free copy of their report will receive a full copy, whereas many free services only offer a limited report. You can use your free annual reports to review the information included in the limited reports and contest any mistakes that you find.
Unfortunately, your annual free credit report does not include any actual credit scores. To access this information, you’ll have to sign up for a free credit score service or pay for your scores.
When To Use Free Credit Score Services
Free score services offer scores derived from one or two agencies and don’t always offer a full credit report. It’s a good idea, then, to also request free copies of your credit reports from AnnualCreditReport.com every year and to contest any mistakes that you have found.
That said, free credit score services are useful for educational purposes and general credit monitoring. Just remember that the specific score shown is unlikely to be the exact score that your creditors see. Still, a free credit score service can give you tools to improve and maintain your credit score. All the services listed above are free, easy to use, and offer useful services in addition to your credit score.
Pros
- Useful for credit monitoring
- Tools to improve credit score
- Free & easy to use
Cons
- Not always a full credit report
- May not be the exact score your creditors see
If you already know your credit score isn’t where it should be we’ve got you covered. Learn how to improve your business credit score.
What if you have bad credit and know it? That doesn’t mean you can’t get a business credit card or loan. Check out our suggestions for business credit cards for bad credit to get started.
We’ve also got a list of no credit check business loans and bad credit startup loans.
Jason Vissers
Expert Contributor at Merchant Maverick
Jason has been writing about small business software platforms, services, and financing since 2015. Jason’s expertise has been featured in Yahoo Finance, Time/NextAdvisor, Home Business Magazine, CreditCards.com, GoBankingRates, TheLadders.com, and other publications. He has a bachelor’s degree in Political Science from San Diego State University.
View Jason Vissers's professional experience on LinkedIn.
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