How can I get a credit score in Quicken?

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A credit score is a three-digit number, typically between 300 and 850, which is designed to represent your credit risk, or the likelihood you will pay your bills on time.  Credit score ranges may determine how much you’ll be charged for your insurance coverage, the interest rate you pay on your mortgage, student, or automobile loan, or the type of credit card you’ll be offered.

Important: The Credit Score Report feature is not available on Quicken for Mac or Quicken Canada. 

How do I register for my Credit Score Report?

To register for your Credit Score Report:

  1. Click the Credit Score button at the bottom of the Accounts Bar.
  2. In the form, enter your personal details including your Social Security number. Click the Continue button.
  3. Answer the challenge questions. If any of the questions don't apply to you, select 'None of the above' from the list.
  4. Click the Get your free score button.

I already registered for a credit score, why am I being asked to register again after an update?

As part of Quicken's separation from Intuit, we're changing the credit score model Quicken uses to the VantageScore® credit score model based on Equifax® data.  

This VantageScore is a VantageScore 3.0 based on Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.

Because of this change, you will need to sign up for a credit score again to obtain a VantageScore® credit score. Checking your VantageScore® will not affect your credit score.

You can find more information here.

View a Credit Score Report in Quicken

To view your Credit Score Report:

  1. Choose Reports > Credit Score.
  2. If you have not previously registered for a credit score from Quicken, follow the registration instructions.
  3. If you are a registered user and have previously received a credit score from Quicken, the detailed Credit Score Report will be presented.
    • You can view your updated credit score every three months.

If I register for a credit score and credit report through Quicken, will it affect my credit score?

No. If you get a credit report yourself or go through an agent such as Quicken, it's called a soft inquiry, and soft inquiries do not impact credit scores.

How often does a credit score get updated?

The Credit Score Report is generated once a quarter. The 'Next Update' time on the top right corner of the report, will indicate the next time when your credit score will be updated.

What details would my credit report have?

The credit report would have the following details:

  • Credit Usage: shows how much of your available credit is being used. This could include your credit cards as well as any other revolving lines of credit. A high percentage could indicate that you don’t have your spending under control and could be a greater risk for defaulting on your payments.
  • Payment History: is one of the most important factors in determining credit scores. Making all of your payments on time shows potential lenders how reliable you have been, even if it's just the minimum payment due. This includes everything from credit cards and car loans to mortgages, and student loans.
  • Age of Credit: details how long your credit accounts have been open, from the oldest to the newest. In general, creditors like to see that you’ve been able to properly manage credit accounts over a period of time.
  • Total Accounts: is a somewhat blended indicator of types of credit used, accounts that are open or have been closed, new credit and length of credit history.
  • Credit Inquiries: include any request for your credit history. There are two types of inquiries: “soft” inquiries do not affect your credit score, while “hard” inquiries do. When you authorize a hard inquiry, that allows a lender to get your credit report when you apply for a credit card, a loan, or other form of credit. If you get your credit report yourself or go through an agent such as Quicken, it’s a “soft” inquiry that does not affect your credit score.
  • Derogatory Marks: are indications of poor financial behavior in the past. This may include late and missed payments or accounts in collections, accounts that have been sold by a lender or creditor to a third-party collection agency. It may also include public records such as bankruptcies or tax liens. Derogatory marks may stay on your credit report for seven years or more.

Information about getting your credit score

Will my score or any of the information that I provide to get my free credit score be shared with other companies?

Your VantageScore® credit score – as well as the information you provide to get your free credit score – is confidential and isn’t shared with third parties.

Why do I need to provide my Social Security number?  Is it secure?

To locate your credit file(s) and verify your identity, we ask you for data such as your Social Security Number, address, and date of birth.   Once we locate your credit file with the provided data, we will generate questions that you must answer to help us verify your identity. All of the information that you provide, including your Social Security number, is protected with bank-level security. Our practices are monitored and verified by TRUSTe and VeriSign and supported by RSA Security.

Where did Quicken get the questions/answers on the second page of the credit score activation form?

The identity verification questions/answers on the second page of the credit score activation form are pulled from the information that Equifax has on file for your name and Social Security number.

What happens if I get locked out while registering for the Credit Score Report?

It is possible that Quicken locks you out during registration, for security reasons. This happens if you enter incorrect information. If you are locked out during registration, please contact a Quicken agent for assistance.

Why do I receive this message when trying to pull my VantageScore credit score?

How can I get a credit score in Quicken?

This message is returned when any of the data you enter does not match what Equifax has on file. This can also be returned when you place a freeze on your credit file. If you have placed a freeze on your credit file, you will need to remove it before Quicken can provide your VantageScore credit score.


What if there’s an inaccuracy in the credit summary that I wish to dispute?

Because Quicken does not control the content of the credit report, you must contact Equifax if you have a dispute. You can contact Equifax directly by clicking the link at the bottom of the credit score page. When you click the "Contact Equifax" link, a pop-up appears with information on how to contact Equifax by mail or via their online dispute form, or you can use the information below:

Contact Equifax

Use the Equifax Online Dispute form or call or write a letter to Equifax describing the information you think is incorrect. Send copies of supporting documents if available.

Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256


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