Free credit score monitoring
View your free
credit score and
earn rewards points.
Getting your financial goals on track starts with your credit score. With credit score monitoring, you can track your score and earn rewards points every time it goes up five points or more.
Must click on the link to be eligible. Other terms & conditions apply.*
Improve your financial health
by improving your
credit health.
Sign up for credit score monitoring in under a minute and
begin getting insights into your financial health.Get weekly score updates.
Track your credit score at no cost, with weekly updates to help you stay on top of when your score changes.
Simulate credit scenarios.
Determine how certain financial decisions might impact your score.
Get advice from a SoFi Financial Planner.
Access SoFi member benefits, like a complimentary 30-minute financial planning session.
Get actionable credit insights.
Understand the factors that drive your credit score and what you can do to influence them.
What is credit score monitoring?
Here's the gist: Credit score monitoring is a service that tracks your accounts and alerts you to any changes or suspicious activity, giving you time to start the process of undoing any damage that’s been done. (And with SoFi, it’s free!)
Looking to dive into the details? Learn more about what credit monitoring is and why it’s so important on your financial journey.
Don’t miss the benefits of free credit score monitoring.
Keep an eye on your credit score.
By monitoring your credit with SoFi, you’ll get alerts to potential unauthorized activity or
identity theft— for free.
Prepare for major financial decisions.
Your credit score is important when you're applying for loans, buying a home, or starting a business.
Identify areas for improvement.
See how your payment history and other factors impact your credit score and simulate changes to craft a plan for improvement.
How to sign up for free credit score monitoring with SoFi.
Sign up in under a minute—setup is easy, with no effect to your credit score:†
Enter your information.
This part is essential to unlock your personal credit score.
Consent to terms and conditions.
Almost done! We just need you to look over the legal terms.
Start tracking!
View your credit score immediately in the dashboard.
The power of your credit score
lies ahead.
Track your
credit growth
See how your credit score has
changed over time
Powered by
TransUnion®
Get your VantageScore 3.0 credit score
updated weekly
Won’t impact
your score
We only do a “soft” pull on your credit and
which won’t affect your score†
FAQs
SoFi leverages the TransUnion VantageScore 3.0 model which includes several key components:
- Payment History - comprised of whether you regularly pay your bills on time.
- Credit Age and Type - average age of your credit accounts and mix of various types such as revolving debt and installment debt. An example of revolving debt is a credit card and an example of installment debt is a student loan.
- Credit Utilization - the percentage of your credit limit you currently have outstanding.
- Balances - balances on your credit accounts including current balances as well as delinquent accounts.
- Inquiries - recent inquiries or applications for new credit.
- Available Credit - amount of available credit that is unused.