Your three-bureau credit report is free at AnnualCreditReport.com. That's the only site authorized by federal law (FACTA, 15 U.S.C. §1681j) to deliver the report at no cost. Anything else asking you for a credit card to "verify" before showing the report is not the official source.
Report and score are different things
The report is the file. The score is the number a lender pulls from the file. AnnualCreditReport.com gives you the file but not the score. To see the score for free, the easiest options are:
- Most major credit-card issuers (Capital One, Discover, Chase, etc.) show you a free FICO or VantageScore inside their app.
- Your bank's app, if you bank somewhere that participates in FICO Score Open Access.
- Credit Karma (VantageScore 3.0, free) or Experian's free tier (FICO 8, free).
Why your score looks different in different places
There isn't one credit score - there are dozens. FICO 8, FICO 9, FICO Auto, FICO Bankcard, mortgage FICO 2/4/5, VantageScore 3.0, VantageScore 4.0. Same person, same day, can have a 35-point spread across these. That's normal. Lenders pick the version that fits the product.
Want a second pair of eyes
If you'd like someone to walk through the report with you and point out what's actually hurting your score, the first 30 minutes is free - book through the contact page.