How to Get a Free Credit Score Report in 2023

Aug 05, 2023
16 People Read
Learn how to get a free credit score report this year with free tools.

Knowing your credit score is one of the best ways to prepare before taking out a loan or applying for new credit. However, you may not know where to start.

Additionally, online tools like Credit Karma typically only provide you with your credit score and little additional information about why your score is the way it is.

This article will discuss how to get a free credit score report so you can successfully prepare to borrow money and assess your financial standing this year.

» MORE: Understanding Hard Credit Inquiries

The Best Way to Get a Free Credit Score Report

The best way to get a free credit score this year is to use and request free copies of your full credit report from all three major credit bureaus (Experian, TransUnion, and Equifax).

You can get a free copy of your report once every 12 months through However, this service provides credit reports– not credit scores. 

The reports from this website will give you a detailed breakdown of your credit history, which is used to calculate your credit score. You’ll need to create a free account with Experian, Equifax, or TransUnion and visit their website to get your credit score.

Other Ways to Get a Free Credit Score Report

While is the best way to get a free credit score report, other tools on the market have additional services they can offer you in addition to providing you with your credit score.

Mint by Intuit

Mint is a personal finance tool that can help you manage your money and make smart financial decisions. 

In addition to providing you with a free up-to-date credit score each day, Mint allows you to categorize your expenses into different buckets, so you can see where your money is going at the end of each month.

Additionally, Mint is perfect for setting financial goals and tracking your progress over time. You’ll receive alerts and notifications for unusual activity as well as free access to Intuit’s other products like TurboTax and Mailchimp.

» MORE: Get Started with Mint for Free


WalletHub is another personal finance app that offers much more than just credit scores. The service allows you to find the best credit card for your situation, whether you’re looking for 0% APR, travel cards, business cards, or balance transfer cards.

The app also allows you to check favorable offers for personal loans that allow you to save on interest with fixed payments and generous terms. They offer detailed credit monitoring, daily credit score reports, and a 100% free service to users.

WalletHub is endorsed by many leading publications including the Wall Street Journal, USA Today, Bloomberg, and CNBC.

» MORE: Sign Up for WalletHub for Free

Final Thoughts

Getting a free credit score report doesn’t have to be difficult. We recommend starting with to get full reports of your credit history. 

If you’re looking for more financial advice and credit monitoring, consider signing up for Mint or WalletHub to keep your financial profile in check.

Related: How Debt-to-Income Influences Mortgage Approval

8 Tips on Saving for a Down Payment