Use WalletHub’s Free Credit Estimator to check your credit standing in just 20 seconds. It’s anonymous and won’t hurt your credit.
Do you want exact credit score or an estimate?
Estimated Credit Standing
No Personal Info Needed
We estimate your credit to be
We try to be as accurate as possible, but realize there are hundreds of variables that go into the actual calculation of your credit score / standing. Do not consider this to be the definitive assessment of your credit score / standing. If you want to get your exact credit score, sign up for a free WalletHub account.
Popular Questions
What is a free credit check? Why is my credit standing important? Why use this credit score estimator? How do I determine my exact credit score? What goes into my credit score?
By: John Kiernan, Personal Finance Editor Credit check is generally used to mean one of three things: Each type of credit check serves a distinct, yet important purpose. And at the end of the day, you should try to take full advantage of all three. Here’s what each type of free credit check is all about: You can get your latest TransUnion credit report from WalletHub, the only site with
free reports and scores that are updated daily. And you can check your Experian and Equifax reports for free through annualcreditreport.com. Of the three options, checking your actual credit score is by far the most accurate way to see how good your credit is. But free credit scores are not all created equal. To learn more about the top places for a free credit check, check out our comparisons of 2018’s best credit score sites, best credit report sites and best credit monitoring services. By: John Kiernan, Personal Finance Editor Your credit standing is important because it can either save or cost you a lot of money. It can also create or deny you opportunities, such as buying a home or landing your dream job. That’s because decision–makers, from creditors and lenders to landlords and employers, use credit data to evaluate applicants. They use it to determine whether you’re eligible for approval. And it’s also the basis for your interest rates, insurance premiums, credit lines, etc. How does your
actual credit score fit into all of this? Well, your credit score is basically your credit report in number form, providing a shorthand way to express how much risk you pose to lenders. Responsible habits as a borrower – particularly paying your bills on time – leads to positive information in your major credit reports. Positive credit report info leads to
a higher credit score. And a higher credit score leads to savings. For example, a 100-point difference in your score would cost you roughly $40,000 in interest over the life of a 30-year, $300,000 home loan, according to a Fair Isaac Corporation report.What is a free credit check?
Here are the best sites for a free credit check:
WebsiteFree Credit Score?Free Credit Report?Update Frequency WalletHub
Yes
Yes
Daily
Credit Karma
Yes
Yes
Weekly
Credit Sesame
Yes
Yes
Weekly
Credit.com
Yes
Yes
Monthly
CreditWise
Yes
Yes
Monthly
Mint
Yes
Yes
Quarterly
Why is my credit standing important?
So make sure to take action if a free credit-score simulator or your actual credit score indicates the need for credit improvement. To see what you should focus on, check out the Credit Analysis portion of your free WalletHub account.
Why use this credit score estimator?
By: John Kiernan, Personal Finance Editor
This credit score estimator gives you a general sense of your credit standing. And it does so for free, without requiring any personal information. With a credit score estimate, you’ll be able to focus your search for a credit card or loan. As a result, this could help you avoid wasting time or applying for an offer you’re unlikely to be approved for.
This credit simulator also is useful in that it gives you a sense of where your credit should be, based on your general consumer profile. Plus, if your actual credit score differs significantly from what this free online credit check indicates it should be, that could be a sign of a problem.
Of course, no credit score estimator will be as accurate as checking your actual credit score. And even some free credit score sites aren’t that useful because they don’t update their scores more than once per week or month. WalletHub is the only site with free credit scores and reports that are updated daily.
How do I determine my exact credit score?
By: John Kiernan, Personal Finance Editor
You can check your latest credit score for free on WalletHub – the only site that offers free credit scores and credit reports that are updated on a daily basis. Although we believe that WalletHub is the best option for a variety of reasons, it’s not the only credit-score provider in town. This article will give you a sense of how some of the most notable alternatives stack up against WalletHub.
Finally, it’s worth noting that there is no one “real” credit score. You’ll never know what type of model a given lender will use to evaluate you. So you shouldn’t get too worried about checking a certain type.
What goes into my credit score?
By: John Kiernan, Personal Finance Editor
The specifics differ from credit score to credit score. But all scores are based on the information in our three major credit reports: those from TransUnion, Equifax and Experian. So as long as you make sure positive information is flowing into these reports and regularly review them for accuracy, your credit score will be in good shape no matter what recipe is used.
With that being said, VantageScore and FICO credit scores are the most common. And you can find a breakdown of their ingredients below. The categorization differs slightly, but each major factor has pretty much the same weight.
Vantage Scores: | Fair Isaac Scores: | |
Payment History – 40% | Payment History - 35% | |
Depth of Credit – 21% | Amounts Owed - 30% | |
Utilization – 20% | Length of Credit History - 15% | |
Balances – 11% | New Credit - 10% | |
Recent Credit – 5% | Types of Credit Used - 10% | |
Available Credit – 3% |
For more info, check out WalletHub’s guide on how credit scores are calculated.
Ask the Experts
Importance of a Credit Check-up
Checking your credit is both free and easy. But too few of us do it often enough. So to help ease people’s concerns and promote healthy credit habits, WalletHub posed the following questions to a panel of personal finance experts. You can check out their bios and tips below.
- How often should people check their credit scores and reports?
- What’s the biggest misconception people have about checking their credit?
- Is there any reason not to sign up for free credit monitoring?
- What’s the biggest mistake people make when checking their credit?
- What are the most important things to look for in a free credit check site?