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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.
Start now
Must click on the link to be eligible. Other terms & conditions apply.*
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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!).
Get started
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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.
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 CERTIFIED FINANCIAL PLANNER™ for no additional cost.
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Keeping track of student debt should be simple.
Now it is.
Sign up for free credit score monitoring to unlock access.
- Get an up-to-date overview of your federal and private loan balances—all in one place.
- See your loan statuses and the time remaining on each loan.
- Track your monthly payments seamlessly and easily.
Get started
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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
Get started
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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.
See more FAQs
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Learn more about credit.
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