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Get your FREE credit score and get $10.
Getting your money right starts with your credit score. With Credit Insights by SoFi Relay you can track your score and so much more. Plus, receive $10 (1,000 points) in cash reward points when you sign-up.
Get started – 100% free
No credit card required and it won’t impact your score.*
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.
Weekly Score Updates.
Track your credit score at no cost, with weekly updates to help you stay on top of when your score changes.
Get Actionable Credit Insights.
Understand the factors that drive your credit score and what you can do to influence them.
Simulate Credit Scenarios.
Determine how certain financial decisions might impact your score.
Get Financial Advice from a SoFi Specialist.
Access SoFi Member benefits like personalized advice from a credentialed financial planner for no additional cost.
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
Get started
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.
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.
