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.*

Get started

Must click on the link to be eligible. Other terms & conditions apply.*

View and track your finances all in one place.

Activate free credit score monitoring. Then connect and view all your accounts in one place—with a 360-degree view of your finances that helps you budget, save, and hit your financial goals.

Set monthly spending targets

Learn which categories you’re spending the most on—so you can budget effectively, and spend smarter.

Boost your savings

See how much savings you have after your expenses each month, view your averages, and track your progress over time.

Stay on top of recurring expenses

View all your transactions so you can track your upcoming payments and subscriptions (and say goodbye to surprise charges!).

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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 started

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SoFi Relay App

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.

Learn more

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.

Get started

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

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FAQs

You can link your deposit account (checking, savings), investment, and retirement accounts as well as credit cards, student loans, mortgages, and other liabilities. If you’re not able to link your account, you will be able to manually add an account or asset (like an owned car or home) so that you’re able to see your entire net worth.

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.
Checking your own credit report is considered a soft inquiry, which does not impact your credit score.
Your credit score is used by lenders, among others, as they review your applications for credit and determine your creditworthiness which might influence if they are willing to extend credit and at what terms. It might also be used by landlords, utility providers, and prospective employers.

See more FAQs