Is American Express MyCredit Guide really free to enroll in and access?

Yes, MyCredit Guide is free for all who visit the site and enroll.

Do I have to be an American Express Card Member to enroll in MyCredit Guide?

No, you do not have to be a Card Member to enroll in and use the service.

Does checking MyCredit Guide impact or lower my credit score?

No. Checking MyCredit Guide does not impact or lower your credit score. You may check your credit score and MyCredit Guide as often as you wish.

Can i access MyCredit Guide on my mobile device?

Yes, you can view MyCredit Guide on your mobile device.

What credit score does American Express MyCredit Guide provide?

The score provided by American Express MyCredit Guide is the VantageScore® 3.0 credit score by TransUnion®.

American Express® MyCredit Guide

Free Credit Score & Report.

Personalized. Easy to use.

Available even if you are not an American Express customer. All for free.

Not a Card Member?

Enroll below to create your MyCredit Guide account.

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American Express Card Member

For easy access, sign in or enroll through your online account.

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Why MyCredit Guide?

We believe everyone should know their credit score and have the tools to understand it better. That's why we're giving you VantageScore^® 3.0 by TransUnion, and the key factors that affect your score.

Using MyCredit Guide won't hurt your credit score.

Use it as often as you like, it wont affect your credit score.

There is no cost to using MyCredit Guide.

We provide a secure login that helps keep your information safe.

MyCredit Guide offers you tools and information to help you take charge of your credit.

Free Credit Report

In addition to your credit score, get a detailed TransUnion credit report that helps you stay informed.

Alerts

We will let you know if there are any changes to your TransUnion credit report to help detect identity theft. Alerts include address updates, new inquires on your credit report, new accounts opened, and more.

Score Goals

A revolutionary way to get detailed, personalized recommendations on the best ways to improve your credit score.

Credit Score Simulator

See how different actions like paying down debt or opening a new account, could affect your score.

It's easy to be in control

Sign up for MyCredit Guide at no charge to see your detailed TransUnion credit report, updated weekly upon log in, get alerts, and use the credit score simulator.

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Terms & Conditions

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Articles about Credit

How to Check Your Credit Score for Free

Here is how to check your credit score for free and get the most accurate picture of your credit.

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How Often Should You Check Your Credit Report & Score?

Experts suggest you check your credit score and report at least once a year – and sometimes more often – to spot errors or fraud and to get a sense of your credit health.

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Credit Score Ranges

Learn about credit score ranges from FICO and VantageScore, and how they classify Excellent, Good, or Poor credit score.

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To learn more about Credit Scores, please visit our Credit Intel section.

Tips to Improve Your Credit Score

The better your credit score, the better chance you may have to secure a mortgage for a house or get approved for that premium credit card. Watch this short video from American Express to learn how to improve your credit score.

Frequently Asked Questions

Yes, American Express^® MyCredit Guide is a free service that allows you to view your VantageScore credit score and TransUnion credit report for free, whether or not you are currently an American Express Card Member. Once you’ve enrolled you can access your free credit score and credit report at any time. MyCredit Guide also provides a Credit Score Simulator and Score Goals to help you build positive credit habits that support a healthy credit score.

No, American Express^® MyCredit Guide is a free service that provides your VantageScrore credit score and Transunion credit report, whether you hold an American Express Card or not. If you’re an American Express Card Member, you can access MyCredit Guide by logging into your American Express online account. If you don’t have an American Express Card, you can enroll for a free MyCredit Guide account.

No, checking your credit score or credit report through American Express® MyCredit Guide will not impact or lower your credit score. Only "hard inquiries" of your credit report will have any potential impact against your credit score. Hard inquiries are most often made when you apply for a loan or line of credit, when a creditor or lender wants to review your credit score, credit report, or credit history. Pulling a free credit report or viewing your credit score with MyCredit Guide is a simple way for you to keep an eye on your credit history without triggering a hard inquiry, helping you monitor and correct any issues that might affect your credit report or credit score.

Yes, American Express^® MyCredit Guide will work with devices such as smartphones and tablets. You can get all the MyCredit Guide features on your mobile device like: your free VantageScore, your free TransUnion credit report, free alerts regarding changes to your credit report and credit tools including our Score Goals and Credit Score Simulator. You can access American Express MyCredit Guide on a mobile device either through the Amex App, which is free and simple to use, or by visiting MyCredit Guide from Safari, Chrome or another web browser.

American Express^® MyCredit Guide shares your free credit score using TransUnion's VantageScore 3.0. Your VantageScore is made up of six key factors: payment history (40%), depth of credit (21%), credit utilization (20%), current open balances (11%), recent credit (5%), and available credit (3%). Your VantageScore moves toward the high score of 850 with good credit behavior (such as making loan payments on time), and your VantageScore provides an indication to lenders and creditors of your creditworthiness, including your ability to pay future bills on time.

No, MyCredit Guide relies on “soft” credit inquires to view your TransUnion credit report. Your credit score will not be affected by any soft inquires on your credit report.

ID Monitoring keeps an eye on your personal information across a range of internet sites. MyCredit Guide will monitor for compromise or exposure of your personal information including First Name, Last Name, Social Security Number, Date of Birth, Email and Primary Address. If we detect that your information has been exposed or compromised, MyCredit Guide will provide alerts to inform you of the specific accounts exposed, description, and recommendations for actions you can take to help secure your data and identity.

Explore other FAQs related to MyCredit Guide

Get the most out of MyCredit Guide

Free Credit Score*

We Believe everyone should know their credit score. That's why we're providing your VantageScore^®3.0 by TransUnion.

Free Credit Report

In addition to your credit score, get a detailed TransUnion credit report that helps you stay informed.

Credit Score Simulator

See how different actions, like paying down debt or opening a new account, could affect your credit score.

*This score is provided for educational purpose. American Express and other lenders may use different credit scores and other information to make credit decisions.