Some Banks Now Offering Free, Genuine FICO Scores

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Yes, it's a real score, and updated every month. Why isn't every bank doing this?

Banks like Chase and Capital One have gotten in trouble for signing consumers up to sketchy credit monitoring services. You can hardly be blamed for raising an eyebrow over claims banks might offer you a free credit score.

But that’s a couple of banks are now doing for their customers, Consumer Reports says. And not for $11.99 a month, or $19.95 for a one-time peek, but free. They’re even real, honest-to-goodness FICO scores, giving you a benchmark for what many lenders see, rather than other less-used scores.

The service is available to credit-card holders at First National Bank of Omaha or Barclaycard U.S., among the largest credit card issuers in the U.S. They’re updated monthly, and “also come with an explanation of the top two factors driving the score, which gives you useful guidance on how to improve your score,” Consumer Reports says.

This kind of service gives consumers the free insight into their credit status consumer advocates (like us) have been demanding for years.

Everybody should have access to their credit score, and hopefully will soon. You can help make it happen by:

Do you think your bank should offer free credit scores? If you’ve already asked about it, tell us what your bank told you below or on our Facebook page.

Stacy Johnson

It's not the usual blah, blah, blah

I know... every site you visit wants you to subscribe to their newsletter. But our news and advice is actually worth reading! For 25 years, I've been making people richer without making their eyes glaze over. You'll be glad you did. I guarantee it!


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