Wells Fargo offers free credit score monitoring through its online banking platform and mobile app
Wells Fargo customers can view their credit score without paying a fee through their account dashboard. The score comes from one of the three major credit bureaus and updates monthly. You do not need a separate login or third-party service — the tool is built into the banking interface you already use.
The credit score Wells Fargo shows is your VantageScore, which ranges from 300 to 850. This is different from the FICO score that many lenders use to decide whether to approve loans or credit cards, but it moves in the same direction: higher is better, and the factors that improve one generally improve the other.
Access is available to most Wells Fargo checking and savings account holders. Some account types or older accounts may not have the feature enabled yet, but you can contact Wells Fargo to request it.
Key Takeaways
- Log into Wells Fargo online banking or open the mobile app, then look for "Credit Score" or "Credit Insights" in the dashboard or menu.
- The score updates once per month and comes from one of the three major credit bureaus — which bureau varies by customer.
- Wells Fargo shows your VantageScore, not your FICO score, but both reflect similar credit habits and move together.
- The tool includes a breakdown of what factors are helping or hurting your score, such as payment history or credit utilization.
- Checking your own score through Wells Fargo does not lower your credit score, because it is a soft inquiry rather than a hard pull.
Where to find your credit score in Wells Fargo online banking
Log into your Wells Fargo account at wellsfargo.com using your username and password. Once you are in your account dashboard, look for a section labeled "Credit Score," "Credit Insights," or "Credit Monitoring." The exact name and location vary depending on whether you are using the classic online interface or the newer Wells Fargo Online experience.
If you do not see the credit score section, check the main menu or sidebar — it is often grouped with account management tools rather than with investment or lending products. Some accounts may need to be activated for the feature; if you cannot find it after checking the menu, contact Wells Fargo customer service at 1-800-869-3557 to confirm the tool is available on your account.
On the mobile app, open Wells Fargo Mobile and tap the menu icon (usually three horizontal lines). Scroll to find "Credit Score" or "Credit Insights" and tap it. The same score and breakdown appear on both the website and the app.
What information the credit score tool shows you
Beyond the three-digit score itself, Wells Fargo's tool displays a breakdown of the factors affecting your score. You will see categories like payment history, credit utilization (how much of your available credit you are using), length of credit history, credit mix (having different types of credit, like cards and loans), and recent inquiries.
Each factor is labeled as either helping or hurting your score. For example, if your payment history is marked as "positive," it means you have been paying bills on time. If credit utilization is marked as "needs attention," it means you are using a high percentage of your available credit limits, which typically lowers your score.
The tool also shows the date of your last update and when the next update will occur. Most scores refresh on the same day each month, usually between the 1st and the 15th depending on your account.
How often your credit score updates and why it changes
Wells Fargo updates your credit score once per month. The exact date depends on your account, but the tool will show you when the next refresh is scheduled. You cannot force an update — the timing is set by the credit bureau that provides your score.
Your score changes because the credit bureaus receive new information about your accounts each month. When you make a payment, use a credit card, or pay down a balance, that activity is reported to the bureaus and factored into your next score. Hard inquiries (when a lender checks your credit to decide whether to approve you for credit) also appear on your report and can lower your score temporarily.
Soft inquiries — like checking your own score through Wells Fargo — do not affect your score at all. You can check as often as you want without any penalty.
The difference between VantageScore and FICO score
Wells Fargo shows your VantageScore, which is calculated by VantageScore Solutions using data from the three credit bureaus. Many lenders, especially mortgage and auto loan companies, use your FICO score instead, which is calculated by Fair Isaac Corporation using a different formula. Both scores range from 300 to 850, and both are based on the same underlying credit report data.
The two scores usually move together — if one goes up, the other typically does too. However, they weight factors differently. For example, VantageScore may place more emphasis on recent payment activity, while FICO may weight older history more heavily. This means your VantageScore and FICO score can differ by 50 points or more, even though they are measuring the same credit report.
Checking your VantageScore through Wells Fargo is useful for understanding your credit health and spotting errors on your report, but if you are applying for a mortgage, auto loan, or other major credit product, the lender will pull your FICO score. You can check your FICO score for free once per year at annualcreditreport.com, which is the official site run by the three credit bureaus.
What to do if you spot an error on your credit report
If the credit score breakdown shows information that looks wrong — such as a payment marked as late when you know you paid on time, or an account you do not recognize — you have the right to dispute it. The error is on your credit report, not in Wells Fargo's tool, so you will need to contact the credit bureau directly.
First, get a copy of your full credit report from the bureau that provided your score to Wells Fargo. You can see which bureau it is in the Wells Fargo credit score section. Request your free report at annualcreditreport.com or contact the bureau directly: Equifax (1-800-685-1111), Experian (1-888-397-3742), or TransUnion (1-800-916-8800).
Once you have your report, identify the error and file a dispute with the bureau. You can do this online, by mail, or by phone. The bureau must investigate within 30 days and remove the error if it cannot verify it. Send a copy of your dispute to the creditor or lender that reported the error as well — they are required to investigate on their end too.
Using your credit score to understand your borrowing power
Your credit score is one of the main factors lenders use to decide whether to approve you for credit and what interest rate to offer. Generally, a score of 670 or higher opens doors to better rates on credit cards, auto loans, and mortgages. Scores below 580 make borrowing more expensive or harder to obtain.
Checking your score monthly through Wells Fargo helps you track whether your credit is improving or declining. If you are working to raise your score before applying for a loan, you can monitor your progress. If your score drops unexpectedly, you can investigate why — perhaps a payment was missed, a balance spiked, or a new account was opened in error.
Keep in mind that lenders may use different credit scores and may weight factors differently than Wells Fargo's tool does. A lender might also consider your income, employment history, and debt-to-income ratio when deciding whether to approve you. Your credit score is important, but it is not the only thing that matters.
Frequently Asked Questions
Does checking my credit score through Wells Fargo hurt my credit?
No. Checking your own credit score is a soft inquiry and does not lower your score. Only hard inquiries — when a lender pulls your credit to decide whether to approve you for new credit — can temporarily lower your score. You can check your Wells Fargo credit score as often as you want without any penalty.
Why is my Wells Fargo credit score different from the score a lender quoted me?
Wells Fargo shows your VantageScore, but many lenders use your FICO score. The two are calculated differently and can vary by 50 points or more, even though they are based on the same credit report. Additionally, lenders may use different versions of the FICO score depending on the type of loan (mortgage, auto, credit card). Both scores reflect your creditworthiness, but they are not identical.
Can I dispute an error I see in my Wells Fargo credit score?
The error is on your credit report, not in Wells Fargo's tool. Contact the credit bureau that provided your score (Equifax, Experian, or TransUnion) and file a dispute. You can get your free report at annualcreditreport.com. The bureau must investigate within 30 days and remove the error if it cannot verify it.
What if I do not see a credit score in my Wells Fargo account?
Not all accounts have the credit score tool enabled. Contact Wells Fargo customer service at 1-800-869-3557 to request it. You may also need to have an active checking or savings account in good standing. If the feature is not available for your account type, you can check your credit score for free at annualcreditreport.com once per year.