: You can get scores directly from the three major bureaus— Equifax , Experian , and TransUnion . While they offer free versions, some more detailed reports or features like Experian's CreditLock may require a subscription.

: Many credit card issuers (e.g., American Express , Chase ), banks, and lenders provide free FICO or VantageScore access to their customers through their online portals or mobile apps.

: Services like Credit Karma and NerdWallet provide free credit scores and monitoring.

: This is the official site authorized by federal law to provide your free credit reports from all three bureaus. Note that while the reports are free, they may not always include a free credit score unless specified. How Your Credit Score is Calculated