Banking

Q&A: How do I find out my credit score for free?

It’s possible to avoid paying for your credit score or at least an estimate of it. Here is a list of all of the well-known ways to get a FICO score or score estimate for free:

Free FICO credit scores:

For free estimates of your credit score estimates and credit monitoring:

Also, see the Wikipedia page on free credit report websites.

Credit cards (no annual fee) that offer a free FICO score with their monthly statement or online:

  • American Express (Experian, FICO-08)
  • Bank of America Cards (TransUnion, FICO-08)
  • Barclaycards including the Sallie Mae Mastercard (TransUnion, FICO)
  • Branded Citibank cards (Equifax, FICO-08)
  • Discover cards (Transunion, FICO-08)
  • FNBO Cards (Experian, FICO-08 Bankcard)
  • Walmart Store Card (TransUnion, FICO)
  • Wells Fargo Cards (Experian, FICO-09)

Deposit accounts that offer a free FICO score with their monthly statement:

  • Digital Federal Credit Union (MA) – (Equifax FICO-05: Mortgage Score) (open to anyone with a $10 donation)
  • Service Credit Union (NH) – (Experian FICO-02: Mortgage Score) (open to anyone for free)
  • NASA FCU (MD) – (Experian FICO-02: Mortgage Score) (open to anyone for free, may be a hard pull to join)
  • Pentagon Federal Credit Union (VA) – (Equifax FICO-09) (open to anyone for free)

Credit cards (no annual fee) that offer a free estimated credit score online:

  • Amazon Synchrony Store Card (Transunion, Vantage 4.0)
  • Capital One credit cards (TransUnion, VantageScore 3.0)
  • Chase credit cards (TransUnion, VantageScore 3.0)

Also, there are 3 main credit bureaus that each offer 1 free credit report per year: Experian, Equifax, and TransUnion.

Request your free report(s) here.

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