How To Get Your Free Credit Score? Compare Best Sites.
A good credit score can lower your interest rates on car loans, mortgages, insurances, and more. Do you know your credit score?
Best free credit score websites
There are many reputable services offering credit scores for free. It’s a fast, easy and secure way to instantly acccess your scores online.
Simply register with your favorite website and provide some basic information about you (email address, ZIP code, etc.). You may be asked to provide your Social Security Number (SSN) in order to verify your identity.
Best free services offer all 3-bureau credit scores (FreeScore360.com, for example) but in most cases expect to receive just a one score.
|FreeScore360||Experian, Equifax, TransUnion|
Scores you receive from these websites can give you a very good idea of your creditworthiness. However, you need to know these are rarely used by lenders. Most financial institutions in United States prefer and use FICO scores.
To see your FICO scores online visit myFICO.com. This is the official FICO website where you can buy an individual bureau’s score for $19.95 each (or get all three of them for a more complete picture). You can also opt-in for a 3-bureau credit monitoring service priced at $29.95 per month. Make sure to cancel your subscription when you no longer need it.
FICO Score 8 from Experian is also available at FreeCreditScore.com and Discover’s CreditScorecard.com. Both sites are absolutely free, without trial membership, and should not ask you for a credit card number.
Free FICO credit score
Most credit card issuers now give you free access to your FICO scores, updated every 30 days. You should be able to see your score on your monthly credit card statement, online bank account, or mobile app.
There are many different versions of FICO scores. Today, in 2016, the FICO Score 8 is the most popular among lenders. This table gives you an idea of which scores are available where.
|American Express||FICO 8||Experian|
|Bank of America||FICO 8||TransUnion|
|Barclaycard US||FICO 8||TransUnion|
|Citi||FICO Bankcard 8||Equifax|
|Commerce Bank||FICO 8||Any|
|First National Bank||FICO Bankcard 8||Experian|
|Wells Fargo||FICO Bankcard 2||Experian|
Contact your bank if it’s not on the list above. According to Market Watch, more than 100 million U.S. bank accounts also offer regular access to FICO scores with no extra charge.
Check your free credit report
Your credit score is important, but ultimately it’s just a reflection of your credit report.
The best thing you can do to understand your credit score and your overall financial standing is to check your credit report regularly.
We recommend doing it every 4 months, with each bureau, to stay updated. This video will show you how to get your TransUnion credit report for free:
Remember: There is no such thing as ‘free annual credit score’. By government law consumers can only get a free access to their credit reports, not scores.