Check your FICO® score for free in 60 seconds. Get matched with top credit card & loan offers personalized to your score — no SSN required.
Get matched with the best credit offers in 4 simple steps
Enter your zip code and estimated credit range. No SSN or hard pull required to see your matched offers.
Connect to one of our trusted partners to pull your free credit report and real FICO® or VantageScore instantly.
Our AI matches you with credit cards, personal loans, and mortgages you're most likely to be approved for.
Apply directly through our partners with pre-qualification. See how much you could save on interest rates.
Compare the best free credit monitoring services & score products in the US
Free VantageScore 3.0 from TransUnion & Equifax. Personalized recommendations for credit cards, loans, and savings.
Get your actual FICO® Score 8 used by 90% of lenders — plus free dark web monitoring and boost your score with rent & utilities.
Free TransUnion credit score with $1 million identity theft insurance included — no credit card ever required.
The only place to get all 28 FICO® Score versions used by lenders — mortgage, auto, credit card scores from all 3 bureaus.
Unlimited access to your TransUnion credit report & VantageScore. Real-time alerts for any changes to your credit.
See pre-approved personal loan offers up to $50,000. Soft pull only — checking won't hurt your credit score.
Full 3-bureau credit monitoring with real-time alerts, $1 million identity theft insurance, and dark web surveillance — all in one plan.
Designed for people building or rebuilding credit. Combines a credit-builder loan with full monitoring and a step-by-step score improvement plan.
Daily credit score updates from all 3 major bureaus with actionable tips to push your score higher every single week.
Which credit service is right for you?
| Service | Cost | Score Type | Bureaus | Dark Web | Boost Score | Action |
|---|---|---|---|---|---|---|
| Credit Karma | Free | VantageScore 3.0 | TU + EQ | ✓ | — | |
| Experian | Free+ | FICO® Score 8 | Experian | ✓ | ✓ Boost™ | |
| Credit Sesame | Free | VantageScore | TransUnion | ✓ | — | |
| myFICO | $19.95/mo | 28 FICO® Scores | All 3 | ✓ | — | |
| TransUnion | $29.95/mo | VantageScore | TransUnion | ✓ | — | |
| IdentityIQ | from $6.99/mo | VantageScore 3.0 | All 3 | ✓ | — | |
| CreditBuilderIQ | from $6.99/mo | VantageScore | All 3 | — | ✓ Builder | |
| CreditScoreIQ | $1 → $19.99/mo | VantageScore | All 3 | ✓ | — |
Americans who improved their credit using our matched offers
"Found Credit Karma through this site. Within 4 months my score jumped and I qualified for a 0% APR card to pay off debt. Life changing."
"Used Experian Boost and added my Netflix & utilities. Score went from 618 to 671 overnight — enough to finally get approved for a car loan."
"I had no idea where my credit stood. This comparison helped me pick the right free service. Now I monitor everything and fixed 2 errors on my report."
"Got pre-qualified for a $25K personal loan at 8.9% APR without hurting my score. Consolidated all my credit card debt. Saving $400/month."
Join 2 million+ Americans who found their best credit offer in under 60 seconds. 100% free, no SSN required to start.