Free Credit Score Monitoring: Check Your Score and Earn $10
Free Credit Score Monitoring: Know Your Number and Earn $10
Check your credit score for free, get weekly updates, and take control of your financial future – no credit card required.
Your credit score affects nearly every financial decision you face – from getting approved for an apartment to the interest rate on a car loan. Yet most people have no idea what their score is or how to improve it.
SoFi Relay offers completely free credit score monitoring powered by TransUnion. No hidden fees, no credit card required, and checking your score uses a soft inquiry that will never hurt your credit. New users also receive $10 in rewards points just for signing up.
What You Get for Free
Weekly Credit Score Updates
See your VantageScore 3.0 from TransUnion refreshed every week. Track changes over time and understand trends.
Credit Score Simulator
Model “what if” scenarios before you act. See how paying off a card or increasing a limit could affect your score.
Full Financial Dashboard
Link bank accounts, credit cards, loans, and investments in one place. Track your net worth automatically.
$10 Sign-Up Bonus
New users receive 1,000 rewards points ($10 value) just for creating an account. No purchase required.
Why Your Credit Score Matters
Your credit score is a three-digit number (300-850) that lenders, landlords, and even some employers use to evaluate you:
- Loan approvals – better chances for mortgages, auto loans, and personal loans
- Lower interest rates – a higher score can save thousands over a loan’s life
- Rental applications – most landlords check credit before approving tenants
- Insurance premiums – many insurers use credit-based scores to set rates
- Credit card rewards – the best cashback and travel cards require good credit
Understanding Credit Score Ranges
Based on VantageScore 3.0. Ranges approximate, may vary by lender.
5 Ways to Improve Your Credit Score
Pay bills on time, every time
Payment history is the biggest factor (~35%). Even one late payment causes a significant drop. Set up autopay for at least the minimum due.
Keep utilization below 30%
If your limit is $1,000, keep your balance under $300. People with the best scores use under 10% of available credit.
Do not close old credit cards
Length of history matters. Keeping old accounts open shows lenders a longer track record and increases total available credit.
Check your report for errors
About 1 in 5 reports contain errors. Disputing a wrongly reported late payment can boost your score quickly.
Limit new credit applications
Each hard inquiry can temporarily lower your score. Space out applications and only apply when you need new credit.
Common Questions
Will checking my score hurt my credit?
No. SoFi uses a soft inquiry which has zero impact on your credit. You can check as often as you want.
Is this actually free? What is the catch?
Genuinely free with no credit card required. SoFi offers this to introduce people to their platform. You are never required to purchase anything.
What credit score model does SoFi use?
VantageScore 3.0 from TransUnion, one of the three major credit bureaus. This is a widely used model that gives a reliable picture of your credit health.
How do I get the $10 bonus?
Create a new SoFi account and check your score. The 1,000 points ($10 value) are credited automatically. One per person, new users only.
Can I talk to a financial advisor?
Yes. All SoFi members get one complimentary 30-minute session with a certified financial planner. SoFi Plus members get unlimited appointments.
Ready to See Your Score?
Free to check, no impact on your credit, and you earn $10 just for signing up.
Get My Free Score + $10 →No credit card required. Soft inquiry only.
Related Resources
- Financial Help – Utility assistance, emergency funds, budget counseling
- Budget Worksheet – Plan monthly expenses and find room to save
- Free Health Insurance Quotes – Affordable health coverage
- SNAP Benefits Guide – Free grocery assistance
*Terms and conditions apply. Visit sofi.com/rewards for details SoFi Bank, N.A., NMLS #696891 , Member FDIC. SoFi Wealth LLC is an SEC-registered investment adviser. Credit score provided by TransUnion using VantageScore 3.0. Community Bridge Resources may receive compensation when you use links on this page.
