Free credit scores
Not all credit scores are FICO® Scores. Because FICO® Scores are the credit scores most widely used by lenders (90% of top lenders use FICO® Scores), knowing your FICO® Scores is the best way to understand how potential lenders could evaluate your credit risk when you apply for a loan or credit. Other credit scores use different scoring formulas from FICO's, and they may not give you an accurate representation of the scores your lender uses when assessing your credit profile.
Is there more than one FICO® Score?
Yes - there are multiple FICO® Scores. To keep up with consumer trends and the evolving needs of lenders, FICO periodically updates its scoring model, resulting in new FICO® Score versions being released to market every few years. Additionally, different lenders use different versions of FICO® Scores when evaluating your credit. Auto lenders, for instance, often use FICO® Auto Scores, an industry-specific FICO® Score version that's been tailored to their needs.
Credit score videos
-
What is a FICO® Score - open video
-
How lenders use FICO® Scores - open video
-
Managing your FICO® Scores - open video
How can you get all your FICO® Scores?
You can get all your FICO Scores by purchasing a FICO Scores 3B Report. Our subscription plans also include free credit reports quarterly or monthly, plus other additional benefits like ongoing credit and identity monitoring and identity protection.
How can you get a free FICO® Score?
We work with over 130 financial institutions to provide their customers free access to the same FICO® Scores they use to manage credit accounts. If your bank, credit card issuer, auto lender or mortgage servicer participates in FICO® Score Open Access, you can get (some of) your FICO® Scores, along with the top factors affecting (them), for free.
