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Where to find free access to
one of your credit scores
You can take a first step toward learning more about your credit standing by checking your
credit reports and credit scores. You can request your credit report every 12 months from each of
the three major credit reporting companies at annualcreditreport.com
.
1
These free credit reports currently do not include free
credit scores. The good news is that people are
increasingly able to see their credit scores for free.
Over the last few years, many financial institutions
have started to offer consumers free access to one of
their credit scores. You may have access through:
Your credit card company
Companies who provide you other financial products, such as deposit or checking
accounts, loans, or mortgages
A nonprofit credit or financial counseling provider
Companies that offer free credit scores to the general public
In 2017, we asked credit card issuers and other companies to let us know if they offer at least
some of their customers free access to a credit score and want to be on a list of issuers that offer
this service.
2
The lists included in this document are based on the responses we received from
credit card issuers, other companies, and nonprofits that offer this service
.
BE CREDIT SMART:
A credit score is a three-digit
number that predicts how likely
you are to pay back a loan on
time, based on information from
your credit reports.
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Credit card issuers that stated they offer
free credit scores to certain customers
Check our list to see if your credit card company is listed. Many companies provide
online or mobile access to credit scores. If your credit card company is on our list, check
your online account portal or mobile app to see if you already receive free access to one
of your credit scores.
You can also check the comments each
company provided through the links included
in Appendix A, or contact the company
directly, to see which particular credit card is
eligible for this service.
If your credit card company is not on our list,
check the company’s website to see if it offers
free credit scores. There may be
companies offering their customers free
access to one of their credit scores that have
chosen not to be on this list.
CREDIT CARD ISSUERS THAT STATED THEY OFFER FREE CREDIT SCORES TO CERTAIN CUSTOMERS
Issuer name Issuer name
1st United Credit Union Huntington National Bank
American Express Travel Related Services
Company, Inc.
Los Angeles Police Federal Credit Union
Bank of America MassMutual Federal Credit Union
Barclaycard Merrick Bank Corporation
Capital One Navy Federal Credit Union
Chase Bank USA, N.A. NSWC Federal Credit Union
Chevron Federal Credit Union Pentagon Federal Credit Union
Citibank, N.A. Polish & Slavic Federal Credit Union
CreditShop Redstone Federal Credit Union
BE CREDIT SMART:
It is important to know that you
do not have just one credit
score. There are many credit
scores available to you as well
as to lenders. Check out this
illustration to learn more about
different credit scores and
where they come from.
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Issuer name Issuer name
Commerce Bancshares, Inc. Signal Financial Federal Credit Union
Discover Financial Services Space Coast Credit Union
DuPont Community Credit Union Star One Credit Union
Elements Financial State Employees’ Credit Union
Fairfax County Federal Credit Union Synchrony Bank
First National Bank of Omaha U.S. Bank
First PREMIER Bank Wells Fargo
Harvard University Employees Credit Union
Companies that stated they offer free credit
scores to customers using some of their
other financial products besides credit cards
The good news is that many financial institutions have started to offer free credit score access to
customers that use some of their other financial products besides credit cards, such as deposit or
checking accounts, loans, or mortgages.
Check our list to see if your financial institution is listed. Many companies provide online
or mobile access to credit scores. If your financial institution is on our list, check your
online account portal or mobile app to see if you already receive free access to one of
your credit scores.
You can also check the comments each company provided through the links included in
Appendix A, or contact the company directly, to see which financial product(s) are
eligible for this service.
If your financial institution is not on our list, check the company’s website to see if it
offers free credit scores. There may be companies offering their customers free access to
one of their credit scores that have chosen not to be on this list.
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COMPANIES THAT STATED THEY OFFER FREE CREDIT SCORES TO CUSTOMERS USING SOME OF THEIR
OTHER FINANCIAL PRODUCTS BESIDES CREDIT CARDS
Company name Company name
1st United Credit Union Nationstar
Capital One NSWC Federal Credit Union
Chase Bank USA, N.A. Pentagon Federal Credit Union
CreditShop Redstone Federal Credit Union
Discover Financial Services Space Coast Credit Union
Elements Financial State Employees’ Credit Union
First National Bank of Omaha U.S. Bank
Los Angeles Police Federal Credit Union Wells Fargo
MassMutual Federal Credit Union
Nonprofit credit and financial counseling
providers that stated they offer free credit
scores to their clients
Nonprofit credit and financial counseling providers will sometimes purchase credit scores and
credit reports on behalf of their clients for education purposes. The Bureau has encouraged
credit scoring and consumer reporting agencies to allow these providers to offer the people they
serve free access to these scores and reports.
3
Many people are now able to access free credit scores through certain nonprofit organizations
that offer credit counseling, housing counseling, and other financial counseling services.
Check our list of the nonprofits that responded to our notice, or reach out to a local
nonprofit credit or financial counseling provider in your community to see if they offer
this service.
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NONPROFIT CREDIT AND FINANCIAL COUNSELING PROVIDERS THAT STATED THEY OFFER FREE CREDIT
SCORES TO THEIR CLIENTS
Provider name Provider name
Ariva, Inc. Nationstar
Bend Area Habitat for Humanity NSWC Federal Credit Union
Capital Good Fund Pentagon Federal Credit Union
Capstone Community Action Service Heartland Alliance
Center for Changing Lives Housing and Credit Counseling, Inc.
Consumer Credit Counseling Service of Buffalo,
Inc.
Jamaica Plain Neighborhood Development
Corporation
Consumer Credit Counseling Service of the
Savannah
Justine PETERSEN
Financial Pathways of the Piedmont Northwest Access Fund
Ariva, Inc. Raphael House of San Francisco, Inc.
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Companies that stated they offer free credit
scores to the general public
The companies below stated that they offer free credit scores to the general public, including to
noncustomers. Remember that although these companies may offer this service at no cost, they
may require you to register and enter personal information. Afterward, they may also market
products to you.
COMPANIES THAT STATED THEY OFFER FREE CREDIT SCORES TO THE GENERAL PUBLIC
Company name Company name
Capstone Community Action Service Heartland Alliance
Chase Credit JourneySM Discover Financial Services
Credit Karma, Inc. LendingTree
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What to keep in mind as you
review your score
Review the educational content companies provide along with
the credit score
This can help you to better understand your score.
Educational content could include explanations of
factors affecting the score, frequently asked
questions, and a visual credit score display meter. In
addition, some companies also show the historical
trend of your credit score.
Keep in mind there is no one credit score
There are many credit scores available to you as well as to lenders. Any credit score depends on
the:
Data from a credit reporting company (Equifax, TransUnion, Experian, and others) used
to calculate it
Scoring model used (companies often create multiple versions of their models and
update them frequently)
Type of loan product
Day it was calculated
BE CREDIT SMART:
Paying loans on time and
staying well below your credit
limit helps you get and keep
good credit scores.
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The initial credit score you obtain from a company
may or may not be different from the one that
company, and other businesses, later use to make
credit decisions about you. Check out this
illustration
to learn more about the different credit
scores you have and where they come from.
How to manage your credit
The Bureau has information on credit reports and scores that can help you make informed
decisions to serve your financial and life goals. Read our brochures on:
Understanding your credit score
s
Checking your credit reports
Rebuilding your credit
You can visit Ask CFPB if you have additional questions about credit scores and credit reports.
We encourage you to review your credit reports from Equifax, TransUnion, and Experian, which
you can do at no cost, once a year for each company. Go to annualcreditreport.com
or call 877-
322-8228 to view your free credit reports. We also have a checklist you can use as you review
your credit reports to help you check for errors.
Visit our blog for additional tips about credit reports
and scores. If you need to dispute errors you find on
your reports, visit Ask CFPB
to find out how. Also, if
you are facing an issue with credit reporting, or with
another financial product or service, you can submit
a complaint to the Bureau at
consumerfinance.gov/complaint or by phone at 855-
411-2372.
For a summary list of the educational resources on
credit scores and credit reports the Bureau has
published, see Appendix B.
BE CREDIT SMART:
At any given point in time,
lenders are probably looking at
slightly different scores than the
ones you see.
BE CREDIT SMART:
By requesting the three reports
at the same time, you can
determine whether any of your
files have errors.
By requesting the reports
separately, you can monitor
your credit files more frequently
throughout the year.
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Why is the CFPB releasing these lists?
We want to raise awareness of how consumers can access and use their credit scores to help
manage their financial lives. In October 2016, we reached out to companies
that offer their
customers free access to one of their credit scores by publishing a notice that was available on
the Federal Register’s public website.
4
A first list was published in March 2017, based on
voluntary responses to that notice.
The Bureau has updated this list after publishing a second notice for comments in November
2017, also available on the Federal Register’s public website.
5
The updated lists in this document
are based on voluntary responses to this second notice.
6
We do not guarantee the accuracy of third-party information or endorse any company listed.
There may be other resources that also serve your needs. Companies such as FICO,
VantageScore, and others also maintain and publish lists of companies that offer consumers free
access to credit scores.
Criteria we used to update these public lists
The organizations included on these lists responded to a notice available on the Federal
Register’s public website, stating that they:
Offer or provide a consumer financial product or service;
Offer existing customers (at least some, but not necessarily all) the ability to obtain free
of charge a credit score that either their company or other lenders use for account
origination, portfolio management, or for other business purposes; and
Offer this access to a credit score on a continuous basis, as opposed to on a time-limited
or promotional basis, and periodically update the score.
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Endnotes:
1
This document includes links and references to third-party resources or content that consumers may find
helpful. The Bureau does not control or guarantee the accuracy of this third-party information. By listing
these links and references, the Bureau in not endorsing and has not vetted these third parties, the views
they express, or the products or services they offer. Other entities and resources also may meet your
needs.
2
“Credit card issuer” refers to any entity to which a consumer is legally obligated, or would be legally
obligated, under the terms of a credit card agreement. Alternatively, companies can also be included in
this list if they are a bank or a credit union that contracts with a third party to issue credit cards on their
behalf and under their brand name.
3
consumerfinance.gov/about-us/blog/millions-of-consumers-will-now-have-access-to-credit-scores-and-reports-
through-nonprofit-counselors/
4
federalregister.gov/documents/2016/10/05/2016-24014/notice-of-a-public-list-of-companies-offering-existing-
customers-free-access-to-a-credit-score
5
federalregister.gov/documents/2017/11/13/2017-24552/notice-of-an-update-to-the-public-list-of-companies-that-
offer-customers-free-access-to-a-credit
6
These lists are current as of May 2018. If your company fits the criteria stated in the Federal Register
Notice, and would like to be included on these lists, you may contact the Bureau at
[email protected] and include “Attn: Open Credit Score List” in the subject line.
Depending on the feedback received, the Bureau may update these lists.
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APPENDIX A: LINKS TO COMMENTS SUBMITTED BY
ORGANIZATIONS
Organizations on these lists submitted comments to help consumers understand whether their
organization offers free credit scores.
Check the comments each organization provided through the links below, or contact the
company, to see who is eligible for the service and on what conditions, if any.
CREDIT CARD ISSUERS THAT STATED THEY OFFER FREE CREDIT SCORES TO CERTAIN CUSTOMERS
Name of company
Comments submitted in response to the Federal
1st United Credit Union https://go.usa.gov/xQN2t
Inc.
https://go.usa.gov/xQN2z
Bank of America https://go.usa.gov/xQN2S
Barclaycard https://go.usa.gov/xQNTc
Capital One
https://go.usa.gov/xQNTx
Chase Bank USA, N.A.
https://go.usa.gov/xQNTa
Chevron Federal Credit Union https://go.usa.gov/xQNTr
Citibank, N.A. https://go.usa.gov/xQNTY
CreditShop
https://go.usa.gov/xQNT4
Commerce Bancshares
https://go.usa.gov/xQNT2
Discover Financial Services https://go.usa.gov/xQNTb
DuPont Community Credit Union https://go.usa.gov/xQNTj
Elements Financial
https://go.usa.gov/xQNTD
Fairfax County Federal Credit Union
https://go.usa.gov/xQNTW
First National Bank of Omaha https://go.usa.gov/xQNTZ
First PREMIER Bank https://go.usa.gov/xQNTk
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Name of company
Comments submitted in response to the Federal
Harvard University Employees Credit Union
https://go.usa.gov/xQNT8
Huntington National Bank
https://go.usa.gov/xQNTX
MassMutual Federal Credit Union https://go.usa.gov/xQNT5
Merrick Bank Corporation https://go.usa.gov/xQNTR
Navy Federal Credit Union
https://go.usa.gov/xQNTQ
NSWC Federal Credit Union
https://go.usa.gov/xQNTU
Pentagon Federal Credit Union https://go.usa.gov/xQNTP
Polish & Slavic Federal Credit Union https://go.usa.gov/xQNTm
Redstone Federal Credit Union
https://go.usa.gov/xQNTV
Signal Financial Federal Credit Union
https://go.usa.gov/xQNTd
Space Coast Credit Union https://go.usa.gov/xQNTf
Star One Credit Union https://go.usa.gov/xQNTG
State Employees’ Credit Union
https://go.usa.gov/xQNT7
Synchrony Bank
https://go.usa.gov/xQNTA
U.S. Bank https://go.usa.gov/xQNTH
Wells Fargo https://go.usa.gov/xQNT6
Information provided by these companies has not been independently verified by the Bureau. The inclusion
of the companies on this list does not reflect an endorsement of them by the Bureau.
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COMPANIES THAT STATED THEY OFFER FREE CREDIT SCORES TO CUSTOMERS USING SOME OF THEIR
OTHER FINANCIAL PRODUCTS BESIDES CREDIT CARDS
Name of company
Comments submitted in response to the Federal
1st United Credit Union
https://go.usa.gov/xQNTM
Capital One
https://go.usa.gov/xQNTe
Chase Bank USA, N.A.
https://go.usa.gov/xQNTt
CreditShop
https://go.usa.gov/xQNTS
Discover Financial Services
https://go.usa.gov/xQNbq
Elements Financial
https://go.usa.gov/xQNbc
First National Bank of Omaha
https://go.usa.gov/xQNbx
Los Angeles Police Federal Credit Union
https://go.usa.gov/xQNbC
MassMutual Federal Credit Union
https://go.usa.gov/xQNbr
Nationstar
https://go.usa.gov/xQNbg
NSWC Federal Credit Union
https://go.usa.gov/xQNb2
Pentagon Federal Credit Union
https://go.usa.gov/xQNbb
Redstone Federal Credit Union
https://go.usa.gov/xQNbj
Space Coast Credit Union
https://go.usa.gov/xQNbD
State Employees’ Credit Union
https://go.usa.gov/xQNbW
U.S. Bank
https://go.usa.gov/xQNbZ
Wells Fargo
https://go.usa.gov/xQNbB
Information provided by these companies has not been independently verified by the Bureau. The inclusion
of the companies on this list does not reflect an endorsement of them by the Bureau
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NONPROFIT CREDIT AND FINANCIAL COUNSELING PROVIDERS THAT STATED THEY OFFER FREE CREDIT
SCORES TO THEIR CLIENTS
Name of company
Comments submitted in response to the
Federal Register Notice
Ariva, Inc.
https://go.usa.gov/xQNbK
Bend Area Habitat for Humanity https://go.usa.gov/xQNb8
Capital Good Fund https://go.usa.gov/xQNb9
Capstone Community Action Service
https://go.usa.gov/xQNbX
Center for Changing Lives
https://go.usa.gov/xQNb5
Consumer Credit Counseling Service of Buffalo, Inc. https://go.usa.gov/xQNbR
Consumer Credit Counseling Service of the Savannah https://go.usa.gov/xQNbQ
Financial Pathways of the Piedmont
https://go.usa.gov/xQNbP
Heartland Alliance
https://go.usa.gov/xQNbE
Housing and Credit Counseling, Inc. https://go.usa.gov/xQNbm
Jamaica Plain Neighborhood Development Corporation https://go.usa.gov/xQNby
Justine PETERSEN
https://go.usa.gov/xQNbV
Northwest Access Fund
https://go.usa.gov/xQNbd
Raphael House of San Francisco, Inc. https://go.usa.gov/xQNbw
Westminster Economic Development Initiative, Inc. https://go.usa.gov/xQNbf
Working Credit Service
https://go.usa.gov/xQNbG
Information provided by these companies has not been independently verified by the Bureau. The inclusion
of the companies on this list does not reflect an endorsement of them by the Bureau.
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COMPANIES THAT STATED THEY OFFER FREE CREDIT SCORES TO THE GENERAL PUBLIC
Name of company
Comments submitted in response to the
Federal Register Notice
7
Chase Credit Journey
SM
https://go.usa.gov/xQNbA
CreditWise from Capital One https://go.usa.gov/xQNbs
Credit Karma, Inc.
https://go.usa.gov/xQNbF
Discover Financial Services
https://go.usa.gov/xQNbt
LendingTree https://go.usa.gov/xQNbu
Information provided by these companies has not been independently verified by the Bureau. The inclusion
of the companies on this list does not reflect an endorsement of them by the Bureau.
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APPENDIX B: EDUCATIONAL RESOURCES
The Bureau’s website has educational resources on credit scores and credit reports that
practitioners can use with their clients. You can find the handouts listed below at:
consumerfinance.gov/practitioner-resources/credit-info
Title Availability
Brochure on understanding your credit scores Available in English and Spanish
Brochure on checking your credit reports Available in English and Spanish
Brochure on rebuilding your credit Available in English
Graph explaining why we have different credit scores Available in English
Brochure on how customers can set up their own rules of
thumb for accessing their credit reports
Available in English
Brochure on consumers’ right to see their Specialty
Credit Reports
Available in English and Spanish
ADDITIONAL RESOURCES
Description Link
Checklist you can use as you review your credit reports
to help check for errors
consumerfinance.gov/credit-report-
review-checklist
How to find a housing counselor near you
https://go.usa.gov/xQNH5
Visit “Ask CFPB” if you have additional questions about
credit scores and credit reports
consumerfinance.gov/ask-
cfpb/category-credit-reporting/
Blog with additional tips about credit reports and scores
consumerfinance.gov/why-credit-
score-offers-not-all-same/
If you need to dispute errors you find on your reports,
visit “Ask CFPB” to find out how
consumerfinance.gov/ask-
cfpb/dispute-credit-report-error/
If you are facing an issue with credit reporting, or another
financial product or service, submit a complaint
consumerfinance.gov/complaint/
For additional educational resources, visit our website on credit reports and scores:
consumerfinance.gov/consumer-tools/credit-reports-and-scores/