How to find your score
— for free.

• Catch errors — if something's wrong (fraudulent account, wrong payment date), you can dispute it immediately
• Track your progress — see how your score moves as you pay down debt or add credit history
• Monitor for identity theft — soft inquiries on your own score won't hurt you, but hard inquiries by unknown lenders might signal fraud

This is false. A soft inquiry (when you check your own score) does not affect your credit score. Only hard inquiries (when a lender checks as part of a credit decision) count against you. Checking your own score through your bank, Equifax, or TransUnion is always safe and free.