Credit score
Check your score free, directly with a credit bureau. Debtwise doesn’t pull, store or monitor your credit score, and never asks for your bureau login.
Experian
FICO® Score 8, based on your Experian report
Free. Experian says no credit card is required.
- You create a free Experian account.
- Experian may show you paid products and card offers; you don't need them to see your score.
Goes to experian.com · offer checked Oct 2026; the bureau may change it.
Other free options
Each bureau has its own report, and scores from different bureaus and models often differ. Lenders may use a different score from any of these.
Equifax
VantageScore® 3.0, based on your Equifax report
Free (Equifax Core Credit™). Equifax says no credit card is required.
- You create a free myEquifax account.
- Equifax also sells a paid plan (Equifax Complete™); the free score doesn't need it.
Goes to equifax.com · offer checked Oct 2026; the bureau may change it.
TransUnion
VantageScore® 3.0, based on your TransUnion report
Free with a TransUnion account. TransUnion says no credit card is required.
- You create a free TransUnion account.
- TransUnion also sells one-time scores and paid services; the free account doesn't need them.
Goes to transunion.com · offer checked Oct 2026; the bureau may change it.
Free credit reports
The only site authorized under federal law to give your free reports from all three bureaus. Reports, not scores; free weekly.
How this fits with your plan
- Your payoff plan works without a credit score; nothing here changes it.
- Checking your own score is a “soft” inquiry, which the bureaus say doesn’t affect it.
- Balances owed are one of several things scores look at. No one, including Debtwise, can promise a particular score or change.