Expert Q&A

Free FICO scores exist, but aren’t easy to come by


Free credit scores do exist and are relatively easy to find, but the tricky part is getting the scores lenders actually use

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

Editor’s Note: The story below, while accurate when originally published in 2010, has become outdated.  For a more up-to-date story, see “Credit cards that offer free credit scores


Question for the expert

Dear Credit Score Report,
Is there any such thing as a free credit score? I’ll be getting a new car in about three months. — John M.


Answer for the expert

Hey John,
Free credit scores do exist and are relatively easy to find, but the tricky part is getting the scores lenders actually use.

If you’ve already applied for a loan or a credit card, it’s not so difficult. As of July 2011, new regulations say you are entitled to a free score if you are rejected for a loan application or approved at less than the best terms. But what if you want to find your score before you apply?

While you can find websites and other businesses promoting free credit scores to consumers, these typically aren’t the scores banks look to when making lending decisions. Instead, borrowers should seek out their FICO credit scores, which are used by most U.S. lenders, including the top 25 U.S. credit card issuers and auto lenders. A non-FICO credit score can give you a rough idea of where you stand relative to other borrowers. We offer one such tool ourselves: the free Credit Score Estimator, which will approximate your score based on a few simple questions.   

But if you have a loan you want, and especially if you think you might be a borderline case, make the extra effort to obtain your FICO score before you apply — even if you have to pay for it. Otherwise, you’re unlikely to see the same number that your lender is using.

If you’re willing to pay, you can easily purchase your Equifax and TransUnion FICO scores for $19.95 each at That’s up from a previous price of $15.95 each. (There’s no way for consumers to buy a FICO score from Experian, the third of the major credit reporting bureaus.) However, if you’re dead set on not paying for your FICO score, it may be possible, but it’ll take some extra effort.

Under FICO’s own Score View (formerly Scores on Statements) program, participating banks allow customers to see their FICO scores online each month at the lender’s website. FICO has previously stated the program makes free scores available to over 1.5 million U.S. consumers, with company spokesman Craig Watts noting that a “small but growing number of lenders either are already using or are preparing to use Score View to benefit their customers.” As for exactly which banks are involved in this program, they’d rather remain anonymous: The Pennsylvania State Employees Credit Union is the only participating lender that currently allows itself to be publicly identified by FICO.

At least two other credit unions — Digital Federal Credit Union (DCU) in Marlborough, Mass., and Partners 1st Federal Credit Union in Fort Wayne, Ind.  — provide their members with free FICO scores. DCU says its members can sign up to receive the free FICO scores once a month, via a service that began in March 2010. Meanwhile, Partners 1st has “FICO scores on our computer system (updated twice annually), and any member may ask us for their score,” says Cindy Emmerich, the credit union’s vice president of marketing, via e-mail.

As for major banks, in an informal poll conducted by the editorial team, Bank of America, Chase, Citi, Capital One, Wells Fargo and USAA customer service representatives said they do not supply customers with free FICO scores. That list obviously isn’t complete, so be sure to ask your own bank if it offers free FICO scores. American Express offers its consumer and small business cardholders free online access to their credit scores once a year, although in the form of the Experian Plus score. That scoring model is “an educational credit score that can range from 330 to 830, with a higher score indicating lower credit risk,” explains credit bureau Experian’s Renee Borsack. AmEx admits that it doesn’t use the Plus score in its lending decisions.

You can also get your FICO score during the home buying process. Consumers “who apply for a residential mortgage receive for free the FICO scores used by the lender in underwriting the loan application,” Watts says.

As noted previously, consumers now also receive free credit scores following loan applications that aren’t approved at the best terms. Final rules issued in July 2011 by the Federal Reserve and Federal Trade Commission mean that when a borrower’s low credit score results in a credit denial or higher interest rate, the lender must share information about that score. If the score used was from FICO, then the borrower may receive a free copy of their FICO credit score.

Of course, since loan applications can lower your FICO score, applying for credit just to get a look at your score isn’t a move I’d recommend.

Good luck!

— Jeremy

See related: New Fed, FTC rules mean more free credit scores for consumers, How your FICO credit score is calculated: Payment history, How a FICO credit score is calculated: How much you owe, How your FICO credit score is calculated: Length of credit history, How your FICO credit score is calculated: New credit, The FICO 5: Breaking down the elements of the FICO score

Meet’s reader Q&A experts

Does a personal finance problem have you worried? Monday through Saturday,’s Q&A experts answer questions from readers. Ask a question, or click on any expert to see their previous answers.




Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

What’s up next?

In Expert Q&A

7 tips for using your yearly credit card summary as a budgeting tool

Plastic gets a bad rap for destroying cardholders’ personal finances. But increasingly, users and personal finance experts alike tout the annual year-end statements provided for free by card issuers as one of the most useful personal finance tools availab

See more stories
Credit Card Rate Report
Cash Back

Questions or comments?

Contact us

Editorial corrections policies

Learn more