The short answer
You can see your score for free through your bank/credit card app, reputable score apps, or your credit bureau account. Soft pulls don't affect your score.
What you'll use
- Banking apps (many show FICO®/VantageScore®)
- Trusted apps (e.g., Credit Karma, Borrowell, etc.)
- Credit bureau portals (US: Equifax/Experian/TransUnion; CA: Equifax Canada/TransUnion Canada)
Step-by-step
- Pick a source: Start with your bank app; if not offered, use a trusted score app or bureau portal.
- Verify identity: Provide legal name, DOB, address history, and answer KBA questions.
- Read the model: Note whether it's FICO® or VantageScore® and the range (usually 300–850).
- Check refresh cadence: Most free scores update weekly or monthly.
- Turn on alerts: Get notified of major score changes or new accounts.
- Compare across sources: Small differences are normal—models and bureaus vary. Track one source consistently.
US vs Canada notes
- US: Multiple free options through card issuers; bureaus allow account creation for ongoing monitoring.
- Canada: Common free options via major banks and apps; bureau portals also available.
Quick checklist
- Soft pull only ✅
- Model + range noted ✅
- Alerts on ✅
- Recheck monthly ✅
Frequently Asked Questions
Does checking my own score lower it?
No—soft inquiry.
Why is my bank score different from Credit Karma?
Different models/bureaus.
How often should I check?
Monthly is fine; weekly if rebuilding.