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.
Already Enrolled?
American Express Card Member
For easy access, sign in or enroll through your online account.
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.
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.
A revolutionary way to get detailed, personalized recommendations on the best ways to improve your credit score.
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.
Already enrolled to MyCredit Guide? Log In Here
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.
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.
Learn about credit score ranges from FICO and VantageScore, and how they classify Excellent, Good, or Poor credit score.
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, MyCredit Guide is free for all who visit the site and enroll.
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, 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.
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.
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®.
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.
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.
In addition to your credit score, get a detailed TransUnion credit report that helps you stay informed.
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.