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Check your score and
start building your credit.
SoFi Relay tracks your credit score and gives you real-time alerts when your score changes and insights you can take to improve your credit.
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Get Your Money Right® starts with your credit score
Sign up for credit score monitoring in under a minute and
begin getting insights into your financial health.
Monitor your credit score.
Track your credit score at no cost, with weekly updates to help you stay on top of when your score changes.
Get Insights On Your Credit.
Understand the factors that drive your credit score and what you can do to influence them.
Manage Your Credit Utilization.
Link your credit & loan accounts to to actively monitor your utilization and payment progress.
Get Financial Advice from an Expert.
Access SoFi Member benefits like personalized advice from a credentialed financial planner for no cost.
The power to track what impacts
your credit score.
Understand what affects your score.
Stay up-to-date with any changes to the key factors contributing to your credit score and learn about the influence you can have on them.
Powered by TransUnion®.
Get your VantageScore® 3.0 credit score, a model developed by all three national credit reporting companies.
This won’t hurt your credit score, or your wallet.
We only do a “soft” pull on your credit. Check your score as often as you want—it won’t hurt your score, and it’s at no cost to you.
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Discover real-time vehicle
values in just a few clicks.
Now with Auto Tracker in SoFi Relay, you can instantly monitor vehicle prices in this unprecedented market—to get a better picture of your total net worth.
Track your vehicle
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.
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