Free VantageScore Credit Score

Another benefit for OneMain customers*

It’s important to know and stay on top of your credit score for any future financial decisions.

Your credit score is used when you do things like:

  • Buy a home or rent an apartment
  • Apply for a car loan
  • Apply for a debt consolidation loan

VantageScore will allow you to track your score over time to watch how it is trending.

*Score is displayed for primary borrower only, and will be updated quarterly.

What is a VantageScore?

VantageScore is a credit rating product offered by the three major credit bureaus (Equifax, Experian, and TransUnion). The VantageScore was developed as a tool to compete with the FICO score, which is well known to most people. VantageScore is a major tool used by lenders and creditors in making lending decisions.

Keep in mind, your VantageScore credit score will vary between the three credit bureaus. While the major credit bureaus use the same scoring model, the information on your credit report may differ from bureau to bureau. OneMain customers can get their most current score from Experian for free by logging into your account at

How do I get my score?

Getting a copy of your VantageScore credit score is easy for OneMain customers. Log in to your account at and you will see your most current score displayed on your account summary page. You can also use the links on that page to see how your score has evolved over time. The score is displayed for primary borrower only, and will be updated quarterly.

If you don’t have an account yet, sign up now!

If you are not currently a OneMain customer, you can get your VantageScore by contacting one of the three major credit reporting agencies (TransUnion, Experian, or Equifax) to request your current score. A fee may apply, however.

What influences your VantageScore credit score?

  • $
    Extremely Influential
    • Payment History
  • %
    Highly Influential
    • Age & type of credit
    • % of credit limit used
  • =
    Moderately Influential
    • Total balances/debt
  • <
    Less Influential
    • Available credit
    • Recent credit behavior and inquiries


Credit score FAQs