get your credit score

Free credit score

Know what’s up with your credit.

Feeling lost when it comes to your credit score? Spruce breaks it down for you. 

Start your credit journey.

Visit the credit tab in the app to complete the simple activation process. After that, you can view your FICO® score any time. You’ll also be able to tap into monthly updates and additional information about the factors that could be impacting your score.

See your score — and more.

Did you know there are five primary factors that combine to make up your credit score? Spruce helps you learn more about each of the five areas so you can make wise, informed financial decisions.

  • Payment history

  • Amount owed

  • Credit history

  • New credit

  • Credit mix

Why is your credit score so important?

Whether you’re renting an apartment, applying for a car loan, or opening a new credit card, your credit score determines what financial options are available to you. By staying informed, you always know where you stand. And that’s a good habit for financial health.

Spruce℠ Spending and Savings Accounts are established at, and the Spruce debit card is issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.

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  1. Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. This product does not report to credit reporting agencies.