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.

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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.

icon Score Goals

A revolutionary new 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

FAQs

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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 to get a Free Credit Report

Enroll with MyCredit Guide to get a free credit report that you can access at anytime or you can request a copy of your credit report 3 credit bureaus once a year.

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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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Frequently Asked Questions

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

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

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.

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

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

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.

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.

American Express® MyCredit Guide

Free Credit Score & Report.

Personalized. Easy to use.

It's easy to be in control

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®.

Can using MyCredit Guide hurt my score? 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.

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

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

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.

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

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

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.