How to Get My FICO Score for Free

By Melissa Lewis

  • Overview

    You are entitled by federal law to receive a free credit report once every twelve months from the top three credit reporting agencies: TransUnion, Experian, and Equifax. However, none of them will actually have your FICO score listed on them. Your FICO score, developed by Fair Isaac Corporation, is the score that lenders use to not only determine if they will lend you the money, but also to determine the rate at which they will lend it to you. There is a way, however to get your FICO score for free, but only once.
    • Step 1

      Visit myFICO website. MyFICO is a resource website developed by the Fair Isaac Corporation where consumers can go for information on lending rates, how to improve scores, FICO forums, and much more.
    • Step 2

      Click on "Start Free Trial." MyFICO offers a paid service, Score Watch, that allows a user to access his scores and get alerts when his score changes or a new account is opened up in his name. The service is available as a free 30 day trial.

    • Step 3

      Create a new account. Create your new account and get your actual FICO score.
    • Step 4

      Cancel your account within the 30 day trial period to prevent being charged the annual fee.
    • Skill: Easy
    • Ingredients:
    • Computer
    • Personal information
    • Tip: Cancel your free trial right after you get your score if you think you may forget.
    • Warning:
    • Do not forget to cancel your free trial membership unless you plan to keep it.

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