Free FICO Score
You used to be able to get a free FICO score from myFICO.com by signing up to their score watch product. Unfortunately they recently changed this and now charge you $4.95 for a 30 day trial. We decided to compile a list of ways to get your FICO score for free.
Here are all of the ways to get a free FICO score. If you want a FAKO score (the general name given to a score not used by lenders) then we suggest using one of the free credit monitoring sites (such as: Quizzle, Credit Karma or Credit Sesame). We also let you know the type of FICO score they offer.
- 1 Credit Cards
- 2 Bank Accounts
- 3 Through Adverse Action
- 4 By Applying For A Mortgage
- 5 Get An Estimate By Using LendingClub
- 6 Through Your Student Loan
All Barclays cards will have free FICO scores, at the moment the following cards are verified as coming with free FICO scores. Be sure to let us know in the comments if we’ve missed any.
- Barclaycard® Arrival™ World MasterCard – Annual Fee TransUnion Classic Risk Score 2008 (TU-08)
- Barclaycard® Arrival™ World MasterCard – No Annual Fee TransUnion Classic Risk Score 2008 (TU-08)
- Barclaycard® Ring MasterCard® TransUnion Classic Risk Score 2008 (TU-08)
- Barclay Frontier Airlines World MasterCard® – Annual Fee TransUnion Classic Risk Score 2008 (TU-08)
- Barclay Frontier Airlines World MasterCard® – No Annual Fee TransUnion Classic Risk Score 2008 (TU-08)
- Discover IT TransUnion Classic Risk Score 2008 (TU-08)
- Discover More TransUnion Classic Risk Score 2008 (TU-08)
First National Bank Omaha
All of their cards will soon come with a free FICO score. They are offering an Experian Bankcard Enhanced FICO score 2008 ((EX-08 bankcard enhanced, range of 250-900). Click here to view all cards that FNBO offers.
Both of the non secured credit cards offered by Merrick Bank come with a free monthly FICO score. Unfortunately you need to be invited to apply for one of these cards. The FICO score they offer is a TransUnion Bankcard Enhanced FICO 2008 score (TU-08 Bankcard enhanced,range of 250-900). Click here to view Merrick Bank credit cards.
- Walmart Discover® TransUnion Classic Risk Score 2008 (TU-08)
- Walmart Credit Card TransUnion Classic Risk Score 2008 (TU-08)
If you have a DCU checking and you have either a DCU credit card or receive a direct deposit into your checking account you’ll receive a free Equifax Classic Risk Score 2008 (EQ-08). You need to be a member to apply for this checking account.
[Read: How To Join DCU Credit Union]
This credit union offers a free TransUnion FICO score, we’re unsure of the exact type they offer. You must be a member to receive this score. Click here for more eligibility requirements.
All of their checking accounts come with a free FICO NextGen score based on Equifax data. This score is updated whenever PenFed requests a new score for risk analysis purposes.
Save and Invest
Save and Invest offers two different FICO scores: TransUnion Classic Risk Score 1998 (TU-98) and Equifax Classic Risk Score 2004 (Eq-04) to active military members and their spouses in partnership with myFICO.
Unitius Community Credit Union
If you have a unitius checking account, are enrolled for estatements and have one of the following: Credit Card, Vehicle Loan, Personal Loan, Home Equity Loan/Line, or Mortgage Loan with Unitius you are eligible for a free Equifax Classic 2004 FICO score (EQ-04).
Through Adverse Action
If you are denied for credit or are given less than favorable terms, the lender must provide you with a notice of adverse action. This notice must contain the reason as to why you were denied or offered less than favorable terms, in most cases one of the reasons why you will be denied is because of your credit score. As such lenders must tell you the credit score they used and the range of that score. Because 90% of lenders use the FICO scoring algorithm the chances you’ll receive your FICO score is quite high. The type of score you receive will be dependent on what the lender used in their decision.
It should be noted that this is a terrible way to check your score, as it requires you being denied for a loan or credit card before you can view your score.
By Applying For A Mortgage
When you apply for a mortgage, the lender must provide you with all the scores they used in the decision making process. Most lenders will pull all three of your credit reports (and scores) when you apply for a mortgage, meaning you’ll get a score from Equifax, TransUnion and Experian.
Obviously applying for a mortgage just to get your FICO score is pointless, you should fine out what your scores are before you apply for such a big loan and it’s one of the few times we suggest actually paying for and getting access to all three of your scores.
Get An Estimate By Using LendingClub
LendingClub is a peer to peer lending site, when you sign up they give you a credit grade which is used to help determine how likely you are to pay back a loan and thus the interest rate you should be offered. To find out your TransUnion score range, find out what your 36 month APR is, this will give you your loan grade. Then match up your loan grade to this chart to find out your FICO score range.
Through Your Student Loan
Sallie Mae offers a free TransUnion FICO score to borrowers who have a loan disbursed in the 2014-2015 academic year.