15 Ways to Get Your Free VantageScore Credit Score

Woman with credit card
Photo by Tom Wang / Shutterstock.com

If you know much about credit scores, you are probably familiar with the FICO score. It is the credit score lenders use more than any other, and there are many ways to get it for free.

But another credit score — the VantageScore — is less well-known.

As Money Talks News founder Stacy Johnson explains in “What’s the Difference Between FICO and VantageScore Credit Scores?“:

“In 2006, the three major credit-reporting agencies — Equifax, Experian and TransUnion — got together and launched the VantageScore. They began providing their new score to websites like Credit Karma, Credit Sesame and NerdWallet, and those sites began giving it away free to attract subscribers.”

Today, you can select among 11 companies that will provide your VantageScore without asking you to pay for the privilege. To get your gratis score this way, simply stop by the official VantageScore site and look over the list of these companies.

They currently include:

  • CreditCards.com
  • Credit Karma
  • CompareCards
  • Credit Sesame
  • The Credit Wise program from Capital One
  • LendingTree
  • myBankrate
  • Nav
  • NerdWallet
  • SavvyMoney
  • WalletHub

Some of these companies offer more VantageScore-related perks than others, so read through the list at the VantageScore website to find the right choice for you.

If you are a customer of one of four certain lenders, you also might have the option to get a free VantageScore through the lender.

They currently include:

  • Capital One
  • JPMorgan Chase
  • OneMain Financial
  • U.S. Bank

Why you need to check your score

A healthy credit score is crucial if you hope to land the best terms on a mortgage or auto loan. A bad credit score might even prevent you from landing a job, as we note in “8 Types of Companies That Are Looking at Your Credit Report.”

So, it can make sense to use these free offers to check your VantageScore. Just remember to also check your FICO score, as this score carries more weight with a greater number of lenders.

In fact, as Stacy has pointed out, FICO clients include 95 of the 100 largest financial institutions in the U.S., and all the 100 largest U.S. credit card issuers. He goes on to say:

“While there are subtle differences between FICO and VantageScore credit scores, the real difference is that the FICO score is the one most lenders use. Just keeping an eye on your credit? The VantageScore is fine. But if you’re about to borrow big, I’d recommend tracking your FICO score.”

Hoping to improve your credit score? Check out “7 Ways to Boost Your Credit Score Fast.”

How to find cheaper car insurance in minutes

Getting a better deal on car insurance doesn't have to be hard. You can have The Zebra, an insurance comparison site compare quotes in just a few minutes and find you the best rates. Consumers save an average of $368 per year, according to the site, so if you're ready to secure your new rate, get started now.

Read Next
6 Tech Gadgets That Make Your Daily Life Easier
6 Tech Gadgets That Make Your Daily Life Easier

These products on Amazon will ease your worries and simplify your routine.

8 Common and Costly Homebuying Myths
8 Common and Costly Homebuying Myths

Think you’re ready to buy a house? Don’t fall victim to these rookie mistakes.

12 Ways Retirees Can Earn Passive Income
12 Ways Retirees Can Earn Passive Income

These simple ways of earning income without a lot of active, ongoing effort can stretch your retirement dollars.

America’s Most Reliable Appliance Brand Is a Surprise
America’s Most Reliable Appliance Brand Is a Surprise

Have you heard of this appliance manufacturer?

7 Social Security Blunders That Can Ruin Your Retirement
7 Social Security Blunders That Can Ruin Your Retirement

Making even one of these mistakes can easily cost you tens of thousands of dollars.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
Will I Get My Ex-Husband’s Social Security When He Dies?
Will I Get My Ex-Husband’s Social Security When He Dies?

Two factors determine how much money is coming to you.

7 Ways to Boost Your Credit Score Fast
7 Ways to Boost Your Credit Score Fast

Your financial security might soon depend upon the strength of your credit score.

21 Things You Should Always Buy at a Dollar Store
21 Things You Should Always Buy at a Dollar Store

Dollar stores have great bargains on these familiar purchases. Yes, even pregnancy tests

13 Brilliant Bulk-Buy Items on Amazon
13 Brilliant Bulk-Buy Items on Amazon

Every household should have these products on hand. Buying them in bulk on Amazon saves you cash.

5 Household Disinfectants That Can Destroy the Coronavirus
5 Household Disinfectants That Can Destroy the Coronavirus

You likely already have some of these products at home.

6 Reasons I Will Never Trust Suze Orman
6 Reasons I Will Never Trust Suze Orman

Beware: The self-proclaimed personal finance expert has a track record that suggests more sizzle than steak.

20 Things That Are Actually Worth Stockpiling
20 Things That Are Actually Worth Stockpiling

You probably don’t need a year’s supply of toilet paper to survive an outbreak, but consider stocking up on these items.

This Type of Social Security Benefit Is Often Overlooked
This Type of Social Security Benefit Is Often Overlooked

The Social Security Administration is not helping certain people get money to which they are entitled, a report says.

Getting These 2 Shots Could Reduce Your Risk of Dementia
Getting These 2 Shots Could Reduce Your Risk of Dementia

These vaccines may lower the risk of Alzheimer’s disease by up to 40%.

9 Everyday Problems You Can Solve With Vaseline
9 Everyday Problems You Can Solve With Vaseline

Forget expensive specialty products. Good ol’ petroleum jelly can address many common annoyances.

16 Amazon Purchases That We Are Loving Right Now
16 Amazon Purchases That We Are Loving Right Now

These practical products make everyday life a little easier.

8 Things That Are Free in August
8 Things That Are Free in August

As summer enters the home stretch, we’ve rounded up these sizzling freebies.

19 Purchases That Buyers Almost Always Regret
19 Purchases That Buyers Almost Always Regret

Think twice before buying these things.

19 High-Paying Jobs You Can Get With a 2-Year Degree
19 High-Paying Jobs You Can Get With a 2-Year Degree

These jobs pay more than the typical job in the U.S. — and no bachelor’s degree is required.

7 Tips for Building an Emergency Stockpile
7 Tips for Building an Emergency Stockpile

A pandemic or natural disaster could leave you reliant on your existing food supply. Is your pantry prepared?

8 of the Worst Things to Buy at a Dollar Store
8 of the Worst Things to Buy at a Dollar Store

Not everything sold at dollar stores is a great bargain or a safe purchase. Here’s our list of products to avoid.

41 Things You Should Never Buy
41 Things You Should Never Buy

Some purchases are just plain dumb. Give yourself — and your budget — a break. Don’t spend money on this stuff.

Homeowners Say These 2 Kitchen Appliance Brands Are Best
Homeowners Say These 2 Kitchen Appliance Brands Are Best

One brand takes five of the top honors, while another ranks highest in three categories.

The 7 Best Things to Shop in August — and 5 to Avoid
The 7 Best Things to Shop in August — and 5 to Avoid

Here’s how to navigate August sales and discounts — which might look a little different this year

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.