How to Get a Free Credit Check: A Step-by-Step Guide

Are you looking to check your credit score but don’t want to pay for it? Thankfully, there are several ways to get a free credit check without having to spend a dime. In this guide, we will walk you through the steps to help you obtain your credit report for free.


One of the easiest ways to get a free credit check is by visiting This website is authorized by the federal government to provide consumers with a free copy of their credit report from each of the three major credit bureaus – Equifax, Experian, and TransUnion – once every 12 months.

2. Credit Karma

Credit Karma is another popular platform that offers free credit checks to its users. By signing up for an account on Credit Karma, you can access your credit report and score from TransUnion and Equifax at any time, without any hidden fees or charges.

3. Experian

Experian, one of the major credit bureaus, also provides consumers with a free credit check through their platform. By creating a free account on Experian’s website, you can view your Experian credit report and receive updates on any changes to your credit profile.

4. Credit Card Companies

Many credit card companies offer free credit checks to their cardholders as a perk. Check with your credit card issuer to see if they provide this service and how you can access it. Some credit card companies even offer credit monitoring services to help you keep track of any changes to your credit report.


Getting a free credit check is easier than you might think, thanks to the various resources available online. By taking advantage of websites like, Credit Karma, Experian, and your credit card company, you can stay informed about your credit score without having to pay a fee.

We hope this step-by-step guide has been helpful to you in obtaining your free credit check. If you have any questions or additional tips to share, feel free to leave a comment below!

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