Check Your Credit Score With These 4 Apps (2024)

FAQs

Check Your Credit Score With These 4 Apps? ›

With myFICO, you can view and monitor your FICO Scores and credit reports right from your fingertips. You'll get alerts on your iOS device when changes are detected. Certain features are available only with eligible myFICO subscriptions.

With myFICO, you can view and monitor your FICO Scores and credit reports right from your fingertips. You'll get alerts on your iOS device when changes are detected. Certain features are available only with eligible myFICO subscriptions.

You can start by going to the three major credit bureaus, Equifax, Experian, and TransUnion first by logging on to AnnualCreditReport.com to check your report for free. Each agency gives you access to your report once every 12 months.

The primary credit scoring models are FICO® and VantageScore®, and both are equally accurate. Although both are accurate, most lenders are looking at your FICO score when you apply for a loan.

Yes, you can access your free credit report on your CreditView Dashboard. With the mobile app: Choose Help & Services from the main menu, and then scroll to Credit health. Choose View credit score to view your current score and other information.

TransUnion

One of the three major credit bureaus is TransUnion. This app can be the best choice if you want to go directly to the source. Based on their own files, the TransUnion app offers credit scores. The FICO credit rating model, which has a scale from 300 to 850, is comparable to the TransUnion.

Avoid Other Sites Offering Free Credit Reports

You might see companies and sites offering free credit reports, but there's only one authorized place to get the free annual credit reports you're entitled to by law: AnnualCreditReport.com.

AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPB's website. Don't be fooled by look-alike sites.

The minimum credit score needed for most mortgages is typically around 620. However, government-backed mortgages like Federal Housing Administration (FHA) loans typically have lower credit requirements than conventional fixed-rate loans and adjustable-rate mortgages (ARMs).

Can I check my credit score myself? ›

In general, you can check your own credit score without harming it. Checking your credit score is an important part of monitoring your financial health.

To check your credit score easily at no cost, you can use websites such as Credit Karma or Credit Sesame.

You can get a real FICO^® Score^☉ from many sources, including credit bureaus, lenders, credit card issuers and other financial institutions. There are many versions of the FICO^® Score, and they may have different uses, but they're all real.

The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those credit bureaus.

Also, as the official consumer division of FICO, myFICO uses the industry standard credit scores, which are the most accurate way of tracking your current credit status.

Experian vs. Credit Karma: Which is more accurate for your credit score? You may be surprised to know that the simple answer is that both are accurate. Read on to find out what's different between the two companies, how they get your credit score, and why you have more than one credit score to begin with.