Places to get free FICO Scores

[Dennis885]

I see a lot of people on here guessing their credit score or basing it off a vantage score from Credit Karma, etc.

I thought it might be helpful to come up with a list of sources that provide free actual FICO scores. While I’m not aware of anywhere that offers free Automotive FICO Scores there are several that offer base FICO 8/9 Scores, which in my opinion is still quite helpful. Feel free to add.

MyFICO.com Free Equifax FICO

Experian.com Free Experian FICO 8

American Express App Free Experian FICO 8 for customers

Discover Free Transunion FICO. This was free for everyone but appears you need a Discover account now.

PenFed Free FICO 9 Score (doesn’t show which bureau)

[GOAT]

Not sure if many people know this but Experian offers a $0 free trial for their premium membership that gives a monthly refresh on all 3 bureau official FICO scores and even specialty scores like Auto Score 8.

So what i do is sign up, refresh the scores and cancel trial. Trial lasts 2 weeks so after it expires you can do it all over again. Ive been doing it for years and never had to pay a penny on credit reports.

[Harry657ha]

Certified Hackr

[jeisensc]

Always a good reminder. Also discussed in The Credit Thread:

The Credit Thread

Well since the site is called leasehackr going to add a couple of hacks on getting some legit FICO credit scores. Not the FAKO vantage scores credit karma and the likes give you… Hack #1 Download the Experian App. It will allow you to create a free account that will give you your Experian FICO 8 score free once a month. The Hack here is that it will allow you to sign up for the Credit works Premium plan for a free 30 day trial(as soon as you sign up for it remember to cancel it so you won’t ha…

The Credit Thread

My AMEX card provides a free FICO 8 score, based on Experian credit report data. My Citi provides a FICO Bankcard 8, based on Equifax credit report data. CapitalOne provides CreditWise, which is kind of like Credit Karma as they use their own formula in conjunction with TransUnion VantageScore. I think anybody can use it, but I haven’t tried it myself. Chase also provides a “Credit Journey” which is almost the same as Credit Karma; not a real score but a good gauge.

[Dennis885]

I completely missed it in the credit thread, but good to know what’s still out there.

Nice hack on the Experian. It does look like it’s now a 7 day trial and you may have to call to cancel.

[giveleaseplease]

@Dennis885

American Express App Free Experian FICO 8 for customers

My Amex app says it’s based on transunion

[thevolvoguy]

Doesnt the federal government offer free credit scores?

[DailyDriven]

once per year the 3x credit bureaus have to provide you a free report (not score) per federal law, but they are not from the government itself.

Annual Credit Report.com - Home Page

Learn about your credit report and how to get a copy | USAGov

[Dennis885]

Within the app is Experian FICO 8.

On their website they have a different service that gives a TU Vantage Score.

[manofmiles]

Mortgage lender here.

You can sign up for a free 7 day trial of “Extra Credit” on www.credit.com.

Your mortgage FICO scores are 2,4, and 5. Fico 8 is typically what auto dealers will use. (this site will show you 28 different FICO scores)

You can downgrade to the free service very easily to avoid the $25 monthly fee