Easily check your credit score for free using Score Fast. Discover tips to improve your credit, tools for building credit, and personalized credit offers. No credit card. No trials. No commitments.

With Score Fast, you’ll see your TransUnion credit score and all the factors that influence it. We make it easy to understand where you stand and help you plan your next steps.

Monitor your credit score

With credit monitoring you get real-time alerts about changes to your credit score. You’re also protected with $1 million identity theft protection and restoration support in case your identity gets stolen.

See the best loan offers

We do an in-depth credit and debt analysis to find you the best interest rates based on your credit score. Whether you’re looking for a home loan, personal loan, car loan, or student loan—we make it easy to save more money.

Find the best credit cards

Choosing the right credit card can be confusing. We make it easy to find cards based on your current credit score, hobbies, and goals. You’ll also see your approval odds, so you can always apply with confidence.

Build your credit score

With Score Fast Credit Builder, you can grow your credit score quickly with the cash you save and the debit purchases you make. You’ll also score cash back as you shop and earn cash rewards when your score goes up.

At Score Fast, we believe that better credit changes everything. We also believe checking your credit score should be FREE. Over the last decade, we’ve helped millions of people see their score, improve their credit, and reach their financial goals. Now it’s your turn! We’ll take a look at your credit score, credit history, and current debt to show you ways to save money on loans, credit cards, and your home mortgage. All 100% free.

What can hurt your credit score?
Hard Credit Inquiries - Checking your credit can affect your score but only if it is a hard credit inquiry.

Loan Default - Defaulting means that you are not keeping up with the terms of your personal or student loan.

Late Payment - Having ANY late payment appear on your credit report will have an impact on your credit score. Other consequences include being charged a late fee and increased interest rates on your account.

Collections - If you miss bill payments, your debt can be sent to a third party that works on behalf of the creditor to collect the amount owed. While having debt sent to collections can negatively impact your score, the severity diminishes over time.

Bankruptcy - Filing a Chapter 7 or Chapter 13 bankruptcy is common among those who cannot handle their debt and need a way out. The way this impacts your credit score really depends on your current score when you apply for bankruptcy.

What can help your credit score?
Disputing Errors on your Credit Report - The latest FTC report shows that approximately 1 in 4 Americans found at least one significant error on their report.

Keep Good Debt - Do not remove debt that has been on your credit report for a while and is in good standing.

Paying Down Debt - Your payment history is the most important factor for your credit score, so you should always try to make full payments on time. If you can’t pay the full amount owing, it’s important to make the minimum payment.

Increasing Your Credit Limit - You should always try to use less than 35% of your total available credit. For example, if you have a credit card with a $10,000 limit, you should keep your balance below $3,500 (35%).

On-Time Rent Payments - First, ask your landlord if they submit to any of the three major bureaus. Although not every landlord does so, rent can play a role in improving your credit score. Making sure that you are paying your rent on time every month is just as important as paying any bill.

Join 17 million people doing more with Score Fast!