How to Check Your Credit Score Free (SSN or ITIN, 2026)
Checking your own credit score is a soft inquiry — it never lowers your score, no matter how often you check. Here are the 6 best ways to pull your FICO or VantageScore free in 2026, including ITIN-friendly options that don't require an SSN.
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The information on this site is for informational and educational purposes only. It does not constitute legal, financial, credit, or professional advice. Comparisons, pricing, and recommendations are subject to change without notice. Verify current terms directly with the provider before making decisions. Credit results vary by individual. Consult a qualified advisor for personalized guidance. We assume no liability for decisions made based on this content.
1. AnnualCreditReport.gov — the only federally mandated free source
Under the Fair Credit Reporting Act, every U.S. consumer can pull a free credit report from each of the three bureaus once every 12 months at AnnualCreditReport.com. This is the only government-mandated free source. Reports only — no scores included.
2. Your credit card issuer
Most major issuers show your FICO or VantageScore for free in their app, updated monthly: Discover Credit Scorecard (free even without an account), Capital One CreditWise, Citi FICO, Chase Credit Journey, and Amex MyCredit Guide. Zero impact on your score.
3. Credit Karma — free VantageScore tracking
Free VantageScore 3.0 from TransUnion and Equifax, updated weekly. Requires an SSN at signup. Good for trend tracking but lenders rarely use VantageScore 3.0 for big decisions, so don't rely on it for mortgage prep.
4. Experian free tier — ITIN-friendly
Experian's direct portal gives you a free FICO 8 from Experian each month and accepts ITIN signups. It's the only bureau that publishes a free FICO directly to consumers without a credit card relationship.
5. myFICO — the official FICO source
myFICO is operated by Fair Isaac (the company that makes FICO). Free tier shows your FICO 8 from Experian; paid tiers add all 28 FICO score versions (Auto, Bankcard, Mortgage 2/4/5). Best accuracy for mortgage prep. SSN required.
6. MyITINcredit.com — ITIN-friendly tri-bureau
$1 for 15 days, then $24.95/mo. Pulls Equifax, Experian, and TransUnion daily with VantageScore 4.0. Accepts ITIN at enrollment. Best balance of price plus 3-bureau daily coverage for ITIN users.
Pull all 3 bureau scores daily — accepts ITIN or SSN
$1 for 15 days — then choose monthly, quarterly, or yearly. Cancel anytime.
- 3-Bureau credit reports & scores
- Daily monitoring & alerts
- Identity theft protection
- Score simulator & insights
- $1 for 15 days trial
- Cancel online anytime
- 3-Bureau credit reports & scores
- Daily monitoring & alerts
- Identity theft protection
- Score simulator & insights
- $1 for 15 days trial
- Cancel online anytime
- 3-Bureau credit reports & scores
- Daily monitoring & alerts
- Identity theft protection
- Score simulator & insights
- $1 for 15 days trial
- Cancel online anytime
Free credit score comparison
| Service | Score type | Bureaus | ITIN OK? |
|---|---|---|---|
| Card issuer apps | FICO 8 or VantageScore | 1 (varies) | Depends on issuer |
| Credit Karma | VantageScore 3.0 | TU + EQ | No (SSN) |
| Experian free | FICO 8 | Experian only | Yes |
| myFICO free | FICO 8 | Experian only | No (SSN) |
| MyITINcredit.com | VantageScore 4.0 | All 3, daily | Yes |
| AnnualCreditReport.gov | No score, reports only | All 3 | Yes (may need mail) |
Related credit-score guides
- Credit report explained →
- Credit monitoring explained →
- Best credit monitoring service →
- What is a good credit score →
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