How To Get A Free FICO Credit Score
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Your FICO credit score is increasingly becoming one of the most important numbers in your life. I’ve written about what’s in your FICO credit score as well as how to get FICO credit score estimates, but never how to get the actual three-digit FICO score calculated by one of the bureaus.
While the Fair and Accurate Credit Transaction Act (FACTA) and Fair Credit Reporting Act (FCRA) did wonders to shed light on the credit reporting industry and the data they are collecting on all of us, the light wasn’t bright enough. There is no way for you to get a free FICO credit score unless you sign up for a trial with one of the bureaus or with Fair Isaac Corporation directly.
Free FICO Credit Scores
There’s no true way to get a free FICO credit score, the bureaus aren’t in the business of giving that information away, but they will give you your score if you sign up for one of their credit related services. Fortunately, they offer trials so you can sign up for a program, see your score, then cancel the trial. If you just want your credit report, see the instructions below.
FreeCreditScore.com
FreeCreditScore.com – They offer a 7 day trial of their service and you can get a credit report from Experian as well as an Experian credit score. You are signing up to their Triple Advantage Credit Monitoring program which monitors for changes in your Experian, Equifax, and TransUnion credit report. If you don’t cancel within the 7 day trial, you will be charged $14.95 a month. FreeCreditScore.com is owned by Experian.
MyFICO ScoreWatch – MyFICO ScoreWatch has a thirty day (30) trial period where you can get a free Equifax credit report and Equifax credit score. If you don’t cancel within the first thirty days, you will be billed $89.95 annually and you get access to a credit monitoring program that’s fairly robust. You can read my MyFICO ScoreWatch review if you’re interested in learning more. MyFICO is owned by Fair Isaac Corporation, the creator of the FICO credit score system.
Equifax Credit Watch Gold with 3-in-1 Monitoring – The list wouldn’t be complete if I didn’t include a service offered by Equifax. You sign up for a thirty day (30) trial and you get a free FICO credit score from Equifax as well as a 3-in-1 consolidated credit report from all three bureaus. If you don’t cancel within the 30 day period, the monthly fee is $14.95.
Free Credit Report
If you just want your credit report, you can get a copy from each of the bureaus from AnnualCreditReport.com, the website setup by the government. FACTA, passed signed into law in 2003, required that bureaus provide you a copy of your credit report each year upon request. FACTA wasn’t perfect but it did make improvements on FCRA.
It’s more important for you to check your credit report regularly than it is to check your score. Your score will be determined based on each bureau’s proprietary equation but the data they use, your report, is the critical piece of the puzzle. Reviewing your report regularly is the best way to ensure that whatever score you have is accurate. Millions of reports have errors and chances are good that you have one if you haven’t checked your report lately.
Reviewing your report is also important because you can spot identity theft fairly easily because you’ll see accounts or addresses that you don’t recognize. I reviewed my report a few years ago and discovered an address I didn’t recognize (along with a phone account). It took a few weeks but I had the matter cleared up. It didn’t affect my score but it’s important to keep your report as accurate as possible.
You will not be able to get your actual FICO credit score through the government website, you will need to use one of the options above.
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Nice consolidated list.
Last year my wife and I did the unthinkable… we forgot to cancel one of these! Whatever system you have to use, just make sure you don’t forget to cancel!
You can also get an approximation of your credit score for free at creditkarma.com. I get my credit report regularly, and then check Credit Karma to get an idea of where my credit score is at.
Yeah, it’s a slick service. I have Credit Karma listed on my page of credit score estimators.
Actually, I believe that CreditKarma is giving the TransUnion FICO score for free now, instead of an approximation, which they used to do.
Yep, this is true. They use the transunion score so it’s a great way of getting your score.
Just signed up at Credit Karma, thanks for the tip!!
Credit Sesame is the same – but gives you your Experian score. Also free.
Credit Karma does not give ACCURATE credit scores. My husband and I almost didn’t apply for our mortgage based upon info we got from Credit Karma. Our banker told us to try and see what happened. Turns out my husbands REAL credit score is 79 points higher than Credit Karma said it was, and mine was 53 higher. We applied for, and got a GREAT mortgage. I’ll never use Credir Karma again.
Credit Karma uses TransUnion data and their score, not a FICO score. In general they are off by a little bit.
Why not? It’s free and it’s called an estimate… My actual credit score is about 20 points or so less than what Credit Karma says. But I think they also updated their scoring system lately. Maybe that is why yours is so far off.
Hey,
I found out my credit score through my local credit union. I applied for a car loan through them, and they actually gave me the promotional rate. So I asked them if they could tell me what my credit score was and they did. 788.
I just graduated from college, and have student loans, so I’m thinking I wouldn’t have the best credit history. But now I know and got to say, thanks for adding me to the credit card account in 2001 Dad.
You know, if they’d charge something reasonable like $2.99/mo I would probably carry a subscription forever. It’s not that the services aren’t valuable, it’s that their value is so out of line with their retail price.
I used Privacy Matters 1-2-3 last year to get my credit score for free and cancelled within the 7-day grace period. However they continued to charge my bank account $1 a month.I had to eventually file a cliam with my bank to get my $6 back! I have tried MyFico and had no problems!
Do any of these sites apply to Canadian readers or is it US based?
That’s a good question, do Canadian companies use FICO scores or do they rely on something else?
Interesting that your stock photo is of an AmEx card, because they recently offered me a free report and FICO score via Experian. No strings attached, no subscription to cancel. Nice.
The credit union is another good one as Steven mentioned. Chatting with my banker (unioner??) the other day, she happened to mention that they do soft pulls of my score regularly anyway because of my line of credit, and do I want to see what my score is currently and what the historical numbers had been? Uhhh, heck yeah! With maybe two keystrokes she had it all up on screen. (I pull my reports annually like clockwork to catch problems, and and have seen these pulls on there, so doesn’t look like it’s affecting the reports or score negatively.)
I jumped on that offer through Amex too Carina! Nice to see a no strings attached offer. Oh and a great credit score too.
Soft pulls/inquiries won’t affect your score at all, it’s the hard pulls/inquiries you have to watch out for. Fortunately, those only happen when companies are making a lending decision.
I wish they offered that to me!
Thanks for the list, Jim.
Looks like the creditkarma.com is a good option, isn’t it?
Anyway, off topic for a while, Jim, are you a Chinese?
Everyone thanks a bunch for sharing the info re: CreditKarma.com. I looked for days on ways to get around paying the high fees to the 3 credit reporting bureaus just to get my credit score. Unless I signed up for a free trial program I was looking at paying anywhere from $20 to $45 dollars and it would be just my luck I would forget to CXL. CreditKarma.com was fast and gave me instant results. Here again, thanks a bunch for sharing this info.
I found this site because I was looking for a little better info on my credit score. I use a site called creditkeeper it costs $10.00 a month and monitors all 3 bureaus. I am new to the credit world at 32 since I always used cash growing up in the restaurant biz. I have to say monitoring my credit can make me crazy I had a mis-charge on a card and it put me over my limit by $7, it also dropped my credit score by almost 40 points…I am grateful I got the alert so I could fix the problem but still lost the 40 points. I am trying desperately to build my credit but from what I understand from others it will take a lot of work to build it and only 1 bad thing to ruin it…I think credit is a racket and we are the ball, bouncing back and forth trying to make ends meat.
I don’t care what my credit/FICO score is I pay cash for everything. The credit card companies suck.
I wish more people thought like you… it would thin out non-profitable banks really quick….
I feel like I am credit crazy at the moment. My husband and I are trying to purchase our first home. My Fico score is now my drug. I am looking for new ways to get it. Get it updated and make it better. I keep going over the formulas in my head?? I think the whole credit industry is meant to drive you nuts. As crazy as they are, I know that I have to meet the magic number to get reasonable financing. Is anyone else this crazy over the whole credit scene?
free credit report. com
Lets you view your account and FICO score “Only 1″ the lowest of the three.
and you can dispute anything negative, monitor activity. 12.00 monthly and well worth the service. I read every thing on the site, every link and act on it.780 is my lowest score with 1.2 million debt. Realestate Debt.
Keep proactive !!!!
I am exactly the same… can’t watch my score enough while rebuilding after bankruptcy to get back into my own home. Working hard on disputing negative credit items (critical to look for after bankruptcy) and watching my score improve. Constantly on creditkarma, though I keep seeing conflicting info as to whether that is a FICO score or the useless Vantage score.
You can also go to http://www.annualcreditreport.com
“THERE IS” such a thing as a 100% free credit score.i do business with four different banks. i alternate and i go to a bank one time a year and apply for a small personal loan and i get my credit score “AND NEVER” take out the loan.
applying for a loan is a TERRIBLE way to get a credit score. Loan inquiry’s are ‘hard’ inquirys and directly adversely affect your credit score. Good going Mr. Carson…you’ve ruining whatever credit you have.
There is another site quizzle.com that is connected to experian. It’s a good site to check out and it is free too.
Just thought I would chime in here as I did sign up for the FICO score watch trial (you can cancel with just an email, unlike some of the others that require a real mail or phone conversation).
CreditKarma was only 3 points off of my actual FICO score and quizzle was 36 points low. Not bad actually.
how can you say that this report is free then you say after 7days you charges 14.95 a mouth,so i cant see doing that its a scams u should not do that at all u should be taking out of buss…
Credit karma is not an accurate credit rating. Like the other commenter stated, they are way off, mine is off by 30 pts. and so is my husbands.
http://www.annualcreditreport.com/
yearly free credit reports from all 3 beureus.. see it print it and work on it.. it doesnt get ant better.. if your credit is good your fico should be good to.. I used this and worked and called and disputed the negatives till they were gone.. no negative and stuff just debt.. but debt that is being paid monthly on time.. I had a few little medicalbills, I ended up paying the ones I could and settling the ones i couldnt for a leeor amount then owed.. then contacted /disputed they were paid and no longer negative.. my reports after about a years work, is clean. now usally begining of year i get them free, end of year I pay or free trial to get all three scores .. through experian..
Awesome you guys! Credit Karma is awesome.
If you are going to use FreeCreditScore.com you MUST be careful what you click! They claim they clearly outline when your credit card will be charged, but that is completely false. I found a charge of $29.95 the day after requesting my “free” credit score. When I called to cancel the membership and question this charge, they stated it was because I clicked the “Report” tab on the top and was shown my 3-bureau credit score. I asked more than once why I was not prompted to authorize the $29.95 charge and they changed the subject each time. They referred me to fax a letter to Experian Credit Bureau requesting a refund because the website is just a liaison between them and the public so they cannot refund my money directly. Avoid using this site if you can. If you do make sure not to click on anything!
freecreditreport.com is owned by experian. Remember, freecreditreport does not give you fico scores, only their “PLUS” score. It’s much higher than the fico and most banks or lenders disregard it. That is why they always say free credit score, not fico score. I wish I know of a way to get it easier than spending $50 for the 3 scores. A lot of people here are boasting about their credit scores or that they just pay cash. Most aren’t that rich to pay cash for a house. My credit is bad due to a foreclosure and want to get a real estate loan desperatly. I found a small regional bank doesn’t lend by Government polocies, but if you have a average of 680 on the fico, they’ll lend you the money. My hunt goes on. I’m at 670.
i signed up w.karmacredit but I can’t see my debtors, and a derragotory account that i have. please help!
BY LAW, you can get a free credit report: http://www.ftc.gov/bcp/edu/microsites/freereports/index.shtml
The best thing is to request only one at a time and you can monitor your credit easily.
Thanks for the tip on Credit Karma. Very cool!
Thank you guys for the tip. I signed up for creditkarma, and first time in my life saw my credit score. I am also glad to see so many people shared their (good) scores. If I had not taken school loans, I would be one of them. Never had credit cards, paid bills on time. Too bad, bought into the “tuition” trap. I am only 30, but I feel I am pretty much done.
I want to see JUST my 3 FICO scores, all of the others are called “FAKO”. Am I going to have to sign up with myfico.com? Someone please help me figure out how to get my 3 FICO scores? Please?
You should be able to obtain your credit score for free without joining one of those money grubbing monitor services. The importance put on credit score, in my opinion is one way the corporate world keeps the middle class from getting ahead. I mean it can affect your job application and a host of other things, which proves my point that its a middle class killer. I’m not perfect I’ve had some miss steps but I’m clear now and have become pretty much a strictly cash person. I have just one credit card that I stay on top of.
just saw a post that says that Walmart is giving free FICO scores if you have one of their cards. Anyone have seen this?
Yes. I have a Walmart credit card. I can view my FICO score free when I log into my Walmart credit card account online. My FICO score is updated monthly within the first 10 working days of the month. Since this is the product of a partnership between Walmart and TransUnion, the score is based upon the information contained in your TransUnion credit file.
Yes I do and they give me a free fico score once a month!
Its your info so it’s should be free for you.
I thought Credit Karma was great and have used it for a while. When I applied for a car loan my actual fico was 70 points lower than creditkarma listed. So really it isn’t good for getting anywhere near actual fico. Good for learning a bit about credit though.
Yes, I have a Walmart credit card. I can view my FICO score free when I log into my Walmart credit card account online. My FICO score is updated monthly within the first 10 working days of the month. Since this is the product of a partnership between Walmart and TransUnion, the score is based upon the information contained in your TransUnion credit file.
Walmart giving free “FICO Transunion” score? FYI, Transunion DOES NOT provide FICO scores. ONLY FICO.com, which has now teamed up with Equifax to provide the same score.
I signed up today for Wal-Mart’s “free FICO score” provided by TransUnion. After doing so I pulled my TransUnion credit report and it shows Wal-Mart pulling my credit report today for a “credit transaction”. It is under the Account Review Inquiries which are not supposed to affect your score or be seen by others, however, I’m not excited at the idea that it would seem they’re going to have to do this every month.
i want to now how many points is good credit, and what is the maximum credit score
Unless there have been recent changes, maximum credit score varies: TransUnion range: 150-934, Experian range: 330-830 and Equifax range: 300-850. Generally, a score of 700 or greater is very good, a score below 600 is poor. and the majority of us are between 600-700. The Federal Gov’t made it so we can all get a free annual credit report, but NOT your credit SCORE. The 3-digit number that is SO important to our financial health, we must pay to see!
Just used creditkarma.com. It does what it claims and does it well.
creditkarma is BS !!!! I just took out a loan for over 100K , and Creditkarma tells me my score is poor . JOKE
I have to agree…. my credit score on all three credit sites are a 30 to 60 point difference… everyone is saying its poor but i have 2 capital one credit cards, a macys credit card, a orchard bank credit card, a walmart credit card, a jcpenny card, and a firestone crdit card if it was poor then why are these banks giving me so much credit??? and to mention on all of these cards my limit is over 1500.00 on each of these cards… SOMETHING IS FISHY….
Yes, but were they all opened recently? If you open many new lines of credit then banks look at the average age of all your accounts and may bash your score if it is too low. The good news is, as these lines mature (and if you have on-time payments) you will have a much better score, and if you keep these in good standing for say, 10-15 years, your score will be *amazing*, unless you ruin your credit with something else.
P.S.: Nowadays poor scores aren’t all that uncommon. Many credit companies weigh things like steady employment much more heavily than just the score – or so I’ve heard =).
ok creditkarma uses transunion, creditsesame uses experian, is there one that uses equifax for free?
Equifax has a credit score card service that provides information on what the score is from their information.
equifax.com/creditscorecard
I agree with some of the other commenters, I think it is absolutely ridiculous that your credit scores aren’t free. It is *my* information – that everyone under the sun seems be able to easily access – EXCEPT FOR ME! What?!
And I love how the formulas and criteria that FICO uses to compute that score is like state secrets – classified and vaulted. We can never stop being slaves to this system because we can never find out the rules of the game!
The whole credit/banking system is a joke.
I like how I am being constantly judged based on my credit score; my life revolves around it, and yet it is easy for anyone to get that score – EXCEPT ME! What?!
And why are the FICO formulas for computing your score treated like state secrets? How can you ever win if you don’t know the rules of the game?
The credit system is a joke for anyone not on the board of a bank. Then it is a million-dollar bonus.
great site…..Credit Karma is worthless…after checking Credit Karma I checked my FICO and found it to be one hundred points higher
Each of the three major credit reporting agencies has their own scoring algorithm. And, all creditors do not necessarily report to all three of the bureaus. Therefore, your score will be different with each of the three reporting agencies (Experian, Transunion and Equifax).
Many creditors (Ex: car dealers) will only retrieve your credit score from just one of the bureaus. Therefore a place you apply for credit may tell you your score is ‘x’ which will be different from the score that another creditor may see if they use the information and score from a different bureau.
If you apply for a mortgage the lenders will typically retrieve your credit report from all three bureaus (called a tri-merge credit report) and will base your approval on your middle score of the three.
It is really important to review your credit history with all 3 reporting agencies because data in their files will usually be somewhat different. A previous creditor may have reported to one or two of the bureaus but not all three.
I just signed up on myfico.com for there 10 day free trial, got all info i needed went to support on there web page clicked on the How do I cancell my Subscription thread, clicked the link it tells you to and hit submit, just received confirmation that my trial was cancelled, all in less than 30 minutes
All this talk about credit scores from diff places really means nothing where ever u get your scores from you should really be paying attention to your rating not the score because for the most part from fico,adv.or plus score your rating poor,fair,good or excellent will will be the same.