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How to Check My Credit Score without Hurting It – 2024 Tips

Checking your credit score won’t lower it.

It’s easy and 100% FREE!

Your credit score is one important factor that banks, credit card companies and other businesses consider when assessing your creditworthiness and determining whether to issue you a loan or credit card. To some extent, a higher score indicates that you’re more likely to pay back money you borrow, thus making it easier for you to qualify for a loan.

Then how can you check your credit score without affecting it? In this post, we’ve got you covered!

Does checking your credit score lower it?

Checking your own credit score is considered a soft inquiry and won’t have a negative impact on it. Instead, regularly checking your credit report and credit score can help you stay informed and it’s one effective way to detect any changes that may affect your score and fix the mistakes before it’s too late.

And you don’t have to pay to see your credit score. Below are some free ways.

Where to check your credit score for free

You’re entitled to request a free credit report from each of the three nationwide credit bureaus. But that doesn’t include information on your credit score. To get your free credit score, all you have to do is click on the links below and follow the on-screen instructions to submit your request.
(Unfortunately, you can only check your credit score when you subscribe to Credit Monitoring on TransUnion. Alternatively, you can check it for free on Equifax or Experian. )

Credit BureauWhere to CheckScoring Model
EquifaxEquifax free credit scoreVantageScore 3.0
ExperianExperian free credit scoreFICO® Score 8 model

As you can see from the table above, there are many scoring models, among which the two most popular ones are VantageScore® 3.0 and FICO. On the VantageScore 3.0® scoring model, a credit score within the range of 661 – 780 is considered a good one. While a credit score of 670 to 739 is good on the FICO® Score range.

How to get a good credit score

To boost your credit score and keep it in a good range, you should practice some healthy credit habits.

  • Pay your bills on time

To ensure you don’t miss your payments, you’re suggested to make a list of your bills and their due dates. When possible, set up automatic payments, or set up electronic reminders.

  • Deal with collections accounts

Obviously, your credit score will go down when a debt goes to collections. You should try to gather your thoughts and documentation and pay your debts off.

  • Regularly check your credit report

It’s necessary that you check your credit report on a regular basis. There may be mistakes that could be pulling down your score. If that’s your case, you can dispute credit report errors to quickly improve your credit.

  • Track your credit score

Similar to checking your credit report for any mistakes, tracking your credit score is also helpful. In addition to requesting a check from the credit bureaus, you can consider using IdentityForce or IdentityIQ Credit Score Simulator to explore how several financial decisions may impact your credit. These tools will enable you to experiment with different credit balances, credit card payments, balance transfers and more.


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By Sammi Liu

Greetings! I'm Sammi, and my journey as a content writer began right after graduation. While my initial academic focus was in Public Finance, I later pursued a major in English Literature. This diverse educational background has equipped me with a unique skill set that combines analytical thinking with a passion for creative expression.

My career path has led me to become a proficient content writer with a keen eye for research. Intensive training in Microsoft Office, coupled with a natural curiosity, has allowed me to incorporate design principles and advanced internet search techniques into my work seamlessly.

What truly sets me apart is my knack for research. I've dedicated time to mastering advanced internet search techniques, inspired by countless articles and video tutorials on the subject. This has transformed me into a seasoned researcher, skilled at uncovering reliable and valuable information.

In addition to my professional pursuits, I'm a tech enthusiast who stays current with the latest trends through YouTube. Listening to podcasts of various genres has been a hobby of mine, especially in every morning. I balance my professional life with an active one, enjoying badminton, table tennis, tennis, and yoga. On weekends, you'll find me lost in the pages of books in the local library or soaking in the beauty of nature on bike rides. I'm also passionate about culinary arts, frequently experimenting with recipes and crafting delightful beverages like smoothies.

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