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How to Get Free Credit Scores

Allison Martin
Credit score results

There are tons of ads plastered all over the internet about free credit reports. However, most consumers are more concerned about their actual credit score, since it is the number used by creditors to make a lending decision. There are several places you can go to obtain a free credit score.

FICO Score

The FICO Score, which was created by the Fair Isaac Corporation, is used by 90 percent of creditors when making a lending decision. Unfortunately, your FICO score cannot be accessed free of charge through their website.

How to Retrieve Your FICO Score for Free

According to the Federal Trade Commission (FTC), you are entitled to a free copy of your credit report. In some instances, the copy you receive if you meet these criteria may also include your FICO score. You are entitled to a free credit report if your application for new credit, employment, or insurance is rejected as a result of your credit report and/or score. Be sure to request a copy of the report used to render a decision within 60 days if the creditor, employer, or insurance company does not automatically send it to you.

You are also entitled to a free credit report if you meet the following criteria:

  • You are unemployed and plan to commence your search for work within 60 days
  • You are a current welfare recipient
  • Your report contains inaccuracies as a result of identity theft or fraud

However, your FICO score may not be included. To learn more, visit, or call 1-877-322-8228.

Credit Card Providers

You may also be able to access your official FICO score for free through your credit card issuer's online portal. Check with your credit card issuer to see if this option is available to you. The following credit card providers currently offer free FICO scores to cardholders:

Credit Card Issuer
American Express Experian FICO score is available to consumer credit and charge cardholders.

FICO credit score is available to all cardholders.

Capital One FICO credit score is available to all cardholders (excluding Spark cardholders).

Monthly FICO score is available to Chase Slate cardholders.

Citigroup FICO score is available to select Citi card members.
Discover Transunion FICO score is available to all cardholders.

To get started, visit the credit card issuer's website at the links listed above and create an online account. Once you are granted access to the online portal, select the link or tab that allows you to view your credit score.

Financial Institutions

Select major banks and credit unions also offer their customers free access to their FICO score so they can stay on top of their credit health. These include:

  • Ally Financial: Official FICO scores are offered to all Ally Auto customers.
  • First National Bank: Official FICO score is available to First National Bank customers.
  • USAA: Free monthly FICO score is available to USAA members.

To access your free FICO score using these options, enroll in online banking and locate the tab or link on credit reports and/or scores.

Alternative Credit Scores

Some lenders use alternative credit scoring models to evaluate your creditworthiness and issues a loan decision. A few examples of alternative credit scores, or FAKO scores, include:

Service Provider Type of Score(s)
myBankrate VantageScore 3.0 VantageScore 3.0 from Experian, Experian's National Equivalency Score
Credit Karma VantageScore 3.0 from TransUnion, Equifax
Credit Sesame Experian's National Risk Model Score
WalletHub VantageScore 3.0 from TransUnion

Once you have created an online account using the links listed above, your credit score(s) will automatically appear on the home page each time you login.

An Important Consideration

If none of the options above work for you, consider enrolling in the Experian Credit Works program. It will only cost you $1 for the 7-day trial period but be sure to cancel your subscription immediately after retrieving your FICO score to avoid any additional fees.

How to Get Free Credit Scores