How to Get a Free FICO Score

By Melissa Lewis

  • Overview

    A credit score is a numerical score that lenders use to determine the probability of whether a consumer will pay back a loan. The higher a credit score, the more likely lenders will loan you money and the more likely you will receive a better interest rate than those with lower credit scores. One such credit score is called a FICO score, which ranges from 300 to 850. It is the credit score developed by the Fair Isaac Corporation and uses a mathematical formula to take into account past and current credit activity. Lender rely on your FICO score to determine how and if they'll do business with you. There are three credit reporting agencies that are mandated by federal law to give you a copy of your credit report once every twelve months, but it does not include your FICO score. Usually, you will need to pay to get this score, but there are a few creative ways to obtain your FICO score for free.
    • Step 1

      Sign up for a free trial at MyFICO. Fair Isaacs Corporation offers a service where you can get your FICO score and updates on any changes that may occur with your score. This is a paid program, however, there is a free 30 day trial. As long as you remember to cancel within the 30 days, you will not be charged any money. You will need to give them your credit credit card number so if you do miss the cancellation deadline, they will charge your account. (See Resources below for MyFICO link.)
    • Step 2

      Sign up for credit cards that offer free FICO scores. Credit card companies often give perks for their card holders, including access to your FICO scores for free. Some even try to help you to improve your score. Such credit cards include, but are not limited to, Credit Karma and WaMu. (See Resources below for credit card links.)


    • Step 3

      Sign up for Equifax Credit Watch Gold 3-in-1 Monitoring with FICO Score. This is another paid service to get your FICO score and monitor your credit reports. There is a free 30 day trial so if you remember to cancel within that time, you will have received your FICO score for free. You will need to give your credit card number to receive this free trial. (See Resources below for link.)
    • Skill: Moderately Easy
    • Tip: Thoroughly examine any credit card contracts you may sign. Check for any yearly fees or other things you normally look for when opening up a card.
    • Warning:
    • Some trial periods have you wait a minimum amount of days before you can cancel. Do not forget to cancel within the trial period. You may need to do this over the phone rather than online.

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