Where Do I Get My FICO Score for Free?

By Zakiya Lathan

  • Overview

    Where Do I Get My FICO Score for Free?
    In the United States, FICO scores are the most commonly used guide to judge a person's credit worthiness. Prospective landlords, employers and lenders, among others, use the FICO score as an indication of how well an individual pays their bills and handles their finances. The higher the FICO score, the more creditworthy the score-holder is likely to be viewed. Lenders approve or deny loan requests based, in large part, on FICO scores.
  • Three Separate FICO Scores

    The three major credit reporting agencies--Equifax, TransUnion and Experian--calculate separate FICO scores for individuals based on the proprietary algorithm developed by the Fair Isaac Corporation (NYSE:FIC). Though the three scores are usually similar, for any one individual, there may be three different FICO scores.
  • Two Federal Acts

    In 1971, The Fair Credit Reporting Act was enacted. This federal law was put in place to regulate credit-reporting agencies and help consumers ensure that information being reported about them is accurate. Under the Fair and Accurate Transaction Act, each of the three major credit reporting agencies must, upon request, furnish consumers with one free credit report per 12-month period. The free credit report contains much personal information, such as social security number, date of birth and address. There is credit information such as the numbers and types of accounts a person has, credit limits and payment history. The FICO score is not typically included in the free credit report. It must be requested, often at a fee. There are ways, however, to get your FICO score for little to no cost.


  • Scores on Statements Program

    Become a member of the Pennsylvania State Employees Credit Union or get a Sears Solution MasterCard issued by HSBC and Washington Mutual. These two organizations have an agreement with the Fair Isaac Corporation that gives their customers free access to their FICO score.
  • Experian 

    Enroll in Experian's free credit report and score offer in order to view your FICO score. If you cancel within seven days, it's free. If you fail to cancel by then, however, you will end up paying.
  • TransUnion

    Sign up for a 30-day trial of TransUnion's credit monitoring. If you cancel within the trial, your FICO score is free. If you don't cancel within that time, your credit card is billed.
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