7 Ways to Get Your FICO Credit Score for Free

A man checking credit score on a laptop
Photo by Andrey_Popov / Shutterstock.com

If you don’t already know your credit score, now is the time to find out. FICO, a major provider of credit scores, has unveiled a new formula that might negatively impact some consumer scores.

As COVID-19 plunges the country into what is almost surely going to be a recession, this is a good time to see where you stand financially in case you need a loan in the future.

In the past, you’d have to pay to see your credit score. But that has changed. Today, you can get a free score from any of the following sources.

1. Discover

Anyone can access their credit score for free through the Discover Credit Scorecard program.

You don’t have to be a Discover customer to sign up for the service. It not only provides your credit score, but will also notify you of new accounts on your Experian credit report and send an alert if your Social Security number is found on the dark web.

2. Credit cards

Through the FICO Score Open Access program, FICO works with more than 200 financial institutions to provide their partners’ customers with free access to credit scores. The following credit card issuers are among those participating in the program:

  • Citi
  • Barclaycard
  • HSBC

3. Lenders

If you have student loans, an auto loan or a mortgage, you may also be able to get a free FICO score through your lender. Here are a few of the loan companies that have partnered with the FICO Score Open Access program:

  • Sallie Mae
  • Payoff
  • Vanderbilt Mortgage and Finance

4. Banks and credit unions

Dozens of banks and credit unions across the country also offer access to free FICO scores through FICO Open Access. These include both large and small institutions. Here are a few examples:

  • SunTrust
  • Bank of America
  • Affinity Federal Credit Union

Depending on the institution, free scores may only be available to customers enrolled in certain products and the program may change.

5. Credit counselors

If you’re using the services of a credit-counseling program to improve your finances, you may be eligible for a free FICO score through that organization via the FICO Score Open Access program.

Partner organizations (see them listed below participating banks and credit cards) include companies with national or regional clients.

These are a few of the credit counseling organizations offering free FICO scores:

  • DebtHelper.com
  • Operation Hope
  • Consumer Credit Counseling Service of Savannah

6. Experian

The credit reporting company Experian offers free access to FICO credit scores through its website FreeCreditScore.com.

You won’t have to enter any credit card information to create a free account and see your FICO score. The company says it does not sell your information to third parties. It updates scores every 30 days.

7. Credit applications

A sometimes overlooked option for getting a free credit score is to simply ask to see it when applying for a loan.

If your credit is being pulled by a dealership, mortgage lender or bank, see if they will be willing to share your score with you. While this won’t work for an automated credit application, such as for a credit card, it is an option anytime you have contact with a company representative.

Keep in mind, though, that a major reason for checking your score is to provide you time to repair or boost your credit score before applying for a loan. If possible, try one of the options above first.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next
21 Thrift Store Gems You Can Cash In On
21 Thrift Store Gems You Can Cash In On

Here’s what to look for at that overstuffed thrift store — and how you can make money from it.

12 Tech Gadgets That Make Daily Life Easier
12 Tech Gadgets That Make Daily Life Easier

These products on Amazon will ease worries and simplify your routine.

Secret Ways to Save on Netflix
Secret Ways to Save on Netflix

These little-known savings tactics can help whittle down what you pay for your streaming video subscription — every month.

3 Good Things About Recessions
3 Good Things About Recessions

We don’t wish difficulty on anyone, but there can be an upside to a down cycle.

21 Purchases You Should Never Skimp On
21 Purchases You Should Never Skimp On

With some items, it makes sense to pay a little more rather than hopping on the lowest price.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
7 Kirkland Signature Items to Avoid at Costco
7 Kirkland Signature Items to Avoid at Costco

Even if it seems you save a bundle buying Costco’s Kirkland Signature brand products, they may not be the bargain they appear to be.

Am I Eligible for My Mother’s Social Security Benefit?
Am I Eligible for My Mother’s Social Security Benefit?

Can an adult daughter tap into her late mother’s benefit?

9 Things You’ll Never See at Costco Again
9 Things You’ll Never See at Costco Again

The warehouse store offers an enormous selection, but these products aren’t coming back.

3 Ways to Get Microsoft Office for Free
3 Ways to Get Microsoft Office for Free

With a little ingenuity, you can cut Office costs to zero.

This Surprise Factor Can Raise Your Risk of Dementia
This Surprise Factor Can Raise Your Risk of Dementia

Nearly half of U.S. residents may face this threat.

Organize Your Home With These 10 Thrift Store Finds
Organize Your Home With These 10 Thrift Store Finds

Resolve to be clutter-free in 2021 with these secondhand purchases.

11 Laws You Could Be Breaking Without Knowing It
11 Laws You Could Be Breaking Without Knowing It

Seriously? Fibbing about the weather is a crime? This and other little-known legal traps await the unwary.

Is This Treatable Condition Causing Your High Blood Pressure?
Is This Treatable Condition Causing Your High Blood Pressure?

Researchers say too many doctors are overlooking this potential source of hypertension.

13 Things Seniors Can Get for Free — or Almost Free
13 Things Seniors Can Get for Free — or Almost Free

There are many ways to get cheap or free services and goods after reaching a certain age.

These Are the 3 Best Used Cars You Can Buy
These Are the 3 Best Used Cars You Can Buy

These vehicles boast reliability, safety and long-lasting value.

21 Items to Cut From Your Budget That You Won’t Even Miss
21 Items to Cut From Your Budget That You Won’t Even Miss

Start off the new year by implementing these small-but-smart savings strategies. They’ll soon add up.

Internet Providers Can’t Charge You for This Anymore
Internet Providers Can’t Charge You for This Anymore

Starting this month, your ISP no longer can bill you for this fee.

Taking a Multivitamin? Here’s Why You Should Reconsider
Taking a Multivitamin? Here’s Why You Should Reconsider

A new study has bad news for the millions of Americans who spend money on multivitamins.

15 Painless Ways You Can Cut Costs in 2021
15 Painless Ways You Can Cut Costs in 2021

Follow these tips to save, so you’ll have money for things that really matter.

9 Small Expenses That Are Bleeding Your Budget Dry
9 Small Expenses That Are Bleeding Your Budget Dry

Keep more of future paychecks by eliminating these budget-busting unnecessary expenses.

Longer Trips to These Stores May Raise COVID-19 Risk
Longer Trips to These Stores May Raise COVID-19 Risk

An airborne-disease expert recommends leaving this type of store within a half-hour.

11 Huge Retirement Costs That Are Often Overlooked
11 Huge Retirement Costs That Are Often Overlooked

Does your retirement budget account for all of these costs?

7 Tricks to Cleaning Your Bathroom Faster
7 Tricks to Cleaning Your Bathroom Faster

These tips can get your bathroom sparkling with little time and no elbow grease.

20 Amazon Purchases We Loved in 2020
20 Amazon Purchases We Loved in 2020

These practical products made everyday life a little easier last year — and will do so in the new year, too.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.