View Credit Score anytime, anywhere – for free.
A good credit score can help you reach your financial goals.
Why Work With Us
Checking and understanding your credit score just got easier.
View your score anytime.
Your score is updated once per month upon log in and checking it will not affect the score.
Use the Score Simulator.
This tool estimates what your score could be if you make certain changes.
Review your progress.
Use the Score Trends Graph to view up to 12 months of your credit score history.
Access credit education.
Learn credit basics, how to raise your score and more.
FAQ
When is my credit score updated?
Most, but not all, credit accounts (loans, credit cards, utilities, etc.) report to at least one of the three major credit bureaus on a regular basis. But since lenders aren’t required to provide this reporting on a specific schedule, each lender does it at their own cadence. So your credit score can change frequently, based on how much new information is received over a given time period. The more credit accounts you use, the more often data are reported, and the better the chance that your credit score might change in the short term – in certain cases, even daily.
For purposes of your free credit score in U.S. Bank mobile and online banking, your score is updated monthly based on the date you enroll in the service. You’ll automatically receive a monthly email notification when your score has been updated.
How often can I check my credit score?
As a U.S. Bank mobile and online banking customer, you can check your credit score as often as you like (but note that your score will only be updated once per month). It’s a great way to monitor changes in your creditworthiness – and watch out for unexpected impacts caused by reporting errors or fraudulent transactions, which may be a tipoff that your identity has been compromised.
Does checking my credit score in U.S. Bank mobile or online banking affect my score?
No. You can monitor your credit score as closely as you like without taking a “hit” to your credit. The VantageScore credit score provided in U.S. Bank mobile and online banking is for educational purposes only and is not used by U.S. Bank to make credit decisions.
What's the difference between a credit score and a credit report?
The credit score you see in U.S. Bank mobile and online banking is a unique score derived from the VantageScore 3.0 model to help you understand your creditworthiness. The model incorporates the same data considered by the three main credit reporting companies (TransUnion, Equifax and Experian). The scores generated by these companies make up part of your credit report, which is a more comprehensive collection of information about your financial activity and credit history.
You’re entitled by federal law to obtain and evaluate your free credit report once a year from each of the credit reporting companies. You can request your free credit report at www.annualcreditreport.com.