Our selection of Free Credit Score Online

What a credit score?

A credit score in the United States is a number representing the creditworthiness of a person, the likelihood that person will pay his or her debts.

Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers. Widespread use of credit scores has made credit more widely available and less expensive for many consumers.

What is a good credit score?

A good credit score is crucial for financial success. A credit score is a three-digit number calculated from your data-rich credit report and is one factor used by lenders to determine your creditworthiness for a mortgage, loan or credit card. Your score can affect whether or not you are approved as well as what interest rate you are charged. A good credit score is generally considered to be 720 or higher. Lenders, however, can each have different standards for what they consider to be a good credit score, so it‘s important to keep building your score to receive the most favorable interest rates and highest rates of credit approval.

How Do I Rate?

Most credit scores – including the FICO score and the latest version of the VantageScore – operate within the range of 301 to 850. Within that range, there are different categories, from bad to excellent.

  • Excellent Credit: 781 – 850
  • Good Credit: 661-780
  • Fair Credit: 601-660
  • Poor Credit: 501-600
  • Bad Credit: below 500

But even these aren’t set in stone. That’s because lenders all have their own definitions of what is a good credit score. One lender looking to approve more borrowers might approve applicants with credit scores of 680 or higher. Another might be more selective and only approve those with scores of 750 or higher. Or both lenders might offer credit to anyone with a score of at least 650, but charge consumers with scores below 700 a higher interest rate!


How does Credit Karma work?

Our goal is to help you understand your credit and get more out of it. Along with providing free credit scores, reports and monitoring, we offer insight into what it all means and show you product recommendations, like credit cards and loans, based on your credit profile.

Joining Credit Karma only takes about two minutes. We’re committed to securing your personal information as if it were our own.

Learn more about the safeguards we use to protect your data.

The principle of karma is common to many beliefs. The general idea is that any action a person takes either positive or negative, will have an inevitable equal effect in the future. Your credit score is kind of an expression of this concept; an index of your credit history: your Credit Karma. Credit Karma embodies the best parts of these two disparate yet similar concepts to help people stay aware of their credit information and gain access to personalized offers at the same time.


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Our goal is to provide you with a 360-degree understanding of your credit so you’re armed with the tools and information you need to make smarter financial decisions. By helping you to take a more active role in your credit management – much like you do with your checking or savings account – our free interactive tools and unbiased product comparisons put control on your side.

Independently owned and operated since 1995, Credit.com has been the go-to source – for people across the credit spectrum – for expert information about credit scoring, credit reporting and credit cards.

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We’re your credit advocate, resource, and guide. But first, we’re listeners. We listen to questions about how a 30-day late payment on a credit card might affect your ability to finance a house. Or about how a low credit score might deny you a credit card or a college loan. Or how to best restructure debt in the face of rising healthcare costs. All the questions are equally as important and are, really, about managing credit wisely so you can make ends meet.

Led by our Chairman and Co-Founder, Adam K. Levin – the former Director of the New Jersey Department of Consumer Affairs – after a decade-and-a-half we continue to answer the financial questions that mean the most in your life. 

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Absolutely, Positvely, 100% Free creditScore

LendingTree has partnered with TransUnion® and through its relationship with VantageScore 3.0© it is able to provide your credit score for free.  Credit Scoring is not precise and your score will differ from those provided by the three credit bureaus and FICO®.  Your VantageScore© is determined by granular data fields that when taken together determine your overall score.  For more information you can visit www.VantageScore.com.

While LendingTree does use your free credit score and/or consumer reports (sometimes called “credit reports”) to provide you with information and opportunities regarding your current credit situation, This inquiry performed by LendingTree is a soft inquiry and does not impact your credit score.  Not all lenders will use your Social Security Number (SSN) if you provide it in this or other forms.  LendingTree DOES NOT offer, extend or alter credit. LendingTree DOES NOT originate or fund any loans or products it markets. Rather it has a Network of Lenders for you to shop and compare such products.

VantageScore® 3.0: Giving you credit scores that are more consistent and more accurate across the three credit bureaus.
Smart Credit: A credit score that works to save you money. If you can get better rates, we’ll let you know.
Worry Free: Viewing your credit score with Lending Tree will never hurt your credit and your information is always secure.
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