How often should you check your credit score? 1 in 3 check every week (2024)

One in three Americans checked their credit score in the last 7 days.

Getting your finances in order is always at the top of money-related New Year’s resolutions, and one way of making sure you’re on track is knowing what’s happening with your credit score — something which one in three (36%) Americans surveyed as part of Finder’s Consumer Confidence Index say they’ve done in the past week, with 12% of those saying they’ve checked their score in the last 24 hours.

The majority of those surveyed say they’ve been keeping track of their score, with only 11% saying it’s been a year or more since they’d last checked their score and 8% saying they’ve never checked their score. And while it’s nice to see people eager to track their score, your credit score updates monthly, so you may only need to review it once a month.

Men slightly more likely than women to frequently check credit score

Men (37%) are slightly more likely to say they’ve checked their credit score in the last week compared to women (34%). Inversely, women (12%) are slightly more likely than men (9%) to have not checked their scores in the last year.

Gen Z staying on top of their credit

Close to half of Gen Z (45%) say that they checked their credit score in the last week. However, 14% of Gen Z also say they’ve never checked their credit history.

It’s been more than a year since 15% in the West checked their credit score

Roughly 37% of those both in the South and in the Northeast claim to have checked their credit report in the last seven days. One in seven (15%) of those in the West say they haven’t looked at their score in over a year.

About a third claim to have a very good or excellent credit score

Close to one in three (31%) of those surveyed say their credit score is between 740 and 849, meaning they have either a very good or excellent credit score. On top of that, 5% of those surveyed claim to have a perfect credit score of 850. Some 7% of those who have checked their score in the past don’t actually know what their credit score is.

Men report having higher credit scores than women

Over a third (36%) of men say they have a credit score of between 740 and 849, compared to about a quarter (26%) of women. Also, almost 1 in 10 women (9%) say they don’t know their score, which is four percentage points higher than men (5%).

Boomers have the best credit

A combined 70% of boomers have a credit score of 740 or higher, with 61% saying their score is between 740 and 849 and 9% claiming to have perfect scores of 850. At the other end of the spectrum is Gen Y, with 73% saying they have scores of under 740.

Two-thirds of Southerners have scores below 740

Roughly 66% of people in the South say their score is under 740, while 10% of those in the West say they don’t know their score.

• The Finder Consumer Confidence Index is an ongoing quarterly survey that captures the perceptions of a nationally representative sample of 2,112 American adults asked questions related to household finances. Results were collected October 4 to October 19, 2022.

  We define generations by the age of participants at the time of the survey:

  • Gen Z — any adults born post-1997
  • Millennials — 1981-1996
  • Gen X — 1965-1980
  • Baby Boomers — anyone born pre-1964

  We define geographical regions according to the divisions of the US Census Bureau.

  See Also

  What Affects Your Credit Score? Credit Factors ExplainedCredit Score: How Does It Work and Why Is It Important?How Low Can Your Credit Score Go?Understanding Your Credit Score