Posted by sirtheta on March 7, 2017
Credit Scores

Published on March 7th, 2017 | by sirtheta

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A Comparison of Free FICO Scores from Banks & CUs

After reading yet another disappointing Kristin Wong post (“All the Credit Card Companies That Offer Free Access to Your Credit Score“) over at Lifehacker’s Two Cents, I felt the need to tackle the subject in a more comprehensive manner. The goal of this post is to serve as an in-depth yet quick comparison of what each bank or credit union offers in terms of: type of score, credit bureau, and frequency of update. The focus is on FICO scores offered by having a credit card, but there will be some miscellaneous information included. There will be tables (I love tables), so you will likely want to view this on a desktop (leftmost column is abbreviated credit bureau, topmost row is the FICO scoring model). (This could be considered a companion to our excellent post “Complete List Of Places To Get Free FICO Scores“, though that post does need an update).

Data is compiled from the CFPB’s publication “Where to find access to a credit score” (specifically, the comments of “Notice of a Public List of Companies Offering Existing Customers Free Access to a Credit Score”), from FICO’s list of partners to the FICO Score Open Access Program, from personal experience, and from various places on the Internet.

You will likely want to refer to our omnibus reference “Credit Reports & Scoring Reference Pages” for more information about credit scores & what they mean. In particular, “How Many FICO Scores Are There?” lists the various scores and some of their differences.

This is as complete listing as I could make, but I’m sure there’s plenty of missing information. If you have questions, updates, or additions, please drop them in the comments below!

Banks

These banks offer free FICO scores updated monthly, for cardholders of consumer credit cards. Due to the way tables are displayed, I had to split FICO scores and FICO Bankcard scores into separate tables.

289 ?
EXFirst Commonwealth1American Express4; Chase5; Discover6 Wells Fargo9
EQ HSBC
TUBank of America; Barclays3; Discover6; Synchrony8Commerce Bank2
?Citizens; Merrick

 

Bankcard 2Bankcard 4Bankcard 8Bankcard 9
EXWells Fargo9Ally1,10; First National Bank of Omaha7MUFG Union Bank
EQHuntingtonCitibank; SunTrust
TUFirst PREMIER1

Footnotes:

  1. Ally, First Commonwealth Bank, and First PREMIER Bank update and display your score quarterly, instead of monthly.
  2. Commerce may update and display your score quarterly or monthly.
  3. Barclays updates and displays your score bimonthly (every two months), or more frequently if something significant has changed on your credit report.
  4. American Express often updates more than once per month, but will only display the most recent score in its history. If you don’t log in and check, you will miss the extra scores.
  5. Chase only provides FICO scores to cardholders of the Chase Slate.
  6. Discover’s Credit Scorecard, which is available to everyone, provides Experian FICO 8. Note that Credit Scorecard updates every 30 days or when you log in again, whichever is later. Discover indicates that cardholders get TransUnion FICO 8 with their monthly statements. Note that this is updated monthly (and displayed on your statement) unless there’s been no activity for 180 days.
  7. FNBO provides a FICO Bankcard 8 score for credit card customers and FICO 8 for consumer loan customers; the latter is omitted in the table.
  8. Synchrony only provides FICO scores for the following cardholders: Amazon.com Store Card, Walmart Credit Card, Walmart MasterCard, Sam’s Club Credit Card, and Sam’s Club MasterCard.
  9. Wells Fargo displays the FICO score that is used to manage your account. For example, Wells Fargo also offers its consumer loan customers (including private, auto, student, mortage, HELOC, etc.) access to a free FICO score, but the bureau, frequency, and type of score is not indicated. (Nor is it indicated for credit card customers—I had to go digging on other sites to confirm). The expansion to deposit, investment, and retirement accounts led to access to a FICO 9.
  10. Ally provides a FICO Bankcard 8 score for credit card customers and a FICO Auto 8 for auto loan customers.

Credit Unions

These credit unions offer free FICO scores updated quarterly. In general, your FICO score is available if you have a consumer credit card with the (F)CU, but some (F)CUs offer it to all members or have other criteria (not indicated due to the general targeted nature of (F)CUs). Navy Federal plans to offer a free FICO score to consumers in 2017, but doesn’t make the table because I couldn’t find any information about it.

2NextGen 2589?
EX1st United CU; America First CU; Community CU of Florida; Elevations CU; Mountain America FCU; NASA FCU; Pennsylvania State Employees CU1; Premier America CU; Stanford FCU; TrueCore FCUHarvard University Employees CU; KeyPoint CU; Star One CU1; Polish & Slavic FCU; Whatcom Educational CU1MSU FCU
EQ PenFed2Coulee Dam FCU; Digital FCU (DCU)1; DuPont Community CU; Fairfax County FCU; Langley FCU1; Listerhill CU; Robins Financial CUAndrews FCU; General Electric CU; Healthcare Systems FCU; State Employees’ Credit Union (NC)Fortera CU
TUInterra CU
?Franklin Mint FCU

Unknown bureau and unknown scoring model: Affinity FCU; American Heritage FCU1; Chevron FCU; Elements Financial1; Firefighters First CU; Freedom CU; Maps CU; Montgomery County Employees FCU; Mutual Security CU; Redstone FCU; Redwood CU; Royal CU; Sharonview FCU; Space Coast CU.

Footnotes:

  1. Issuer updates and displays your score monthly, instead of quarterly.
  2. PenFed updates and displays your score when receive updated information in the “normal course of business”.



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Dusty
Dusty

Just wanted to add a DP that Elevations CU now offers a FICO 2 score from Experian.

Mark
Mark

Ally credit card fico Ex bankcard 8

Ally auto Ex fico auto 08

weedibix
weedibix

“Credit Journey” by Chase offers a tally of new accounts opened in the last 24 months. If this happens to be the same figure Chase uses to calculate 5/24, Credit Journey is a valuable resource.

Gadget
Gadget

Nice. I wasn’t aware of this site, and I opened a couple Chase accounts in the last 2 years. It’s the first checker I have noticed that listed the number of new CC accounts in the last two years without having to dig for the info. One downside is that it uses TU data, which is not the one most lenders use.

The other concern I have is that it ONLY counts CC that are STILL OPEN for that 24 month calculation. From what I remember about the 5/24 official rule as relayed by bloggers online is that CLOSED accounts DO count. Because Chase doesn’t publish clear rules of 5/24,it that leaves ambiguity.

Brandon
Brandon

So what’s the best way for determining how the 5/24 rule affects you? I’m putting an excel spreadsheet together based on my memory and info I can find on my accounts, but I’m wondering if there is a better way.

William Charles

It’s not the same figure Chase uses unfortunately.

Gadget
Gadget

BB&T (Branch Banking & Trust) – I have checking and savings – no CC. – Quarterly FICO
“This credit score is calculated using the VantageScore 3.0 model based on Equifax data”

Mark R.
Mark R.

Thanks for posting this. Wells Fargo is always 60+ points lower than all the others when I view the scores on my dashboards. Frustrating. Any idea why?

Carlos
Carlos

Capitol one offers credit score also.
Possible Experian and its quarterly.
Also wanted to add and im sure most know that credit karma is garbage.

Gadget
Gadget

CK is great for FREE monitoring… and viewing of your EQ & TU reports EVERY WEEK, not once a year like at the govt mandated site. Scoring is not it’s strong suit, and suggestions on their site are somewhat bias because they are ad-supported.

Carlos
Carlos

I shouldve clarified.
The Karma score is garbage.
Its not even close.

mawk
mawk

Alliant Cu offers the Vantagescore 3.0 updated quarterly on their webpage for my account. I understand Vantagescore isn’t as useful, but it gives me an overview of credit changes.

crustymech
crustymech

damn – harshing on kristin wong!

What do you find consistently disappointing about her posts?

Jeremy
Jeremy

I believe Citi is Equifax.

Gnarly Cow
Gnarly Cow

The FICO NextGen score that PenFed provides is based on Equifax data. It appears that the score refreshes quarterly.

Gnarly Cow
Gnarly Cow

And it’s called FICO Score NG 2. Quote: “Your FICO® Score NG 2, based on Equifax data and pulled on xx/xx/xxxx, is xxx and is the same score that PenFed uses to manage your account.”

David M
David M

I see others mentioned this, here’s a bit more info:

Capital One and Capital One 360 – CreditWise score.
It is calculated using the VantageScore 3.0 model.

Info about the VantageScore 3.0 model here – https://www.vantagescore.com/explore-model

chaseaholic
chaseaholic

sirtheta so spicy towards kristin wong!

Chase is opening up their credit journey availability to everyone or more at least now.

also freecreditscore.com gives you your free *official* EX FICO8 + report Q month.

combined with CK you have all 3 bureaus covered weekly-monthly which is plenty.

thanks guys

Nosferatus
Nosferatus

Ally credit card does not offer any FICO credit score to cardholders.

Gadget
Gadget

Navy Federal (NFCU) – “FICO® Score 9 based on Equifax data” (VA) Someone reported in 2017 they had Experian, so maybe it’s regional? Or it changed. Or, a typo?

USAA – VantageScore 3.0 from Experian

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