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Where to Get Your Free Credit Score

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It seems like one of the most challenging things to do in this world is get a free credit score. You can easily find places that will offer access to your credit reports (individual or 3-in-1), but getting access to an official FICO score can be quite a challenge without paying an arm and a leg for a one-time view.The good news is that there are a few places to get your score for free. And you never know, you may even be able to monitor your score and update your reports for up to 30 days. Let’s see what’s out there.

Where to Get a Free FICO Score

There are currently a few places to gain access to your Fair Isaac Corporation FICO Score, which is the score most lenders and creditors use when trying to determine whether you’re creditworthy. Here are some of the popular options for obtaining your free score:

  1. Go Free Credit: By signing up for a free 7-day trial, you will gain access to all 3 of your credit scores from TransUnion, Equifax and Experian. If you choose not to cancel your membership after the trial, you will be charged $19.95 per month.
  2. MyFICO Score Watch: MyFICO is the home of Fair Isaac and your official FICO credit scores. The site offers a 10-day free trial of the MyFICO Score Watch product, which gives you access to your Equifax FICO score and corresponding credit report. However, keep in mind that you will have to enter your credit card information to access the free report and score because at the end of the trial period, you will be charged $14.95 per month (if you don’t cancel before the trial ends).
  3. Equifax Credit Watch Gold: Equifax Credit Watch Gold 3-in-1 Monitoring with Score Power offers a 30-day free trial period for its monitoring service. With this free trial, you get your FICO score from Equifax and a one-time 3-in-1 credit report from all three bureaus. However, like MyFICO, you will have to cancel the trial within 30 days to avoid a charge of $14.95.
  4. TransUnion: TransUnion is offering a free 30-day trial to give you access to your TransUnion, Experian and Equifax FICO credit scores and reports. You’re also notified if there are changes to your reports. Like the other trials, you must provide your credit card information and expect to be charged $14.95 at the end of 30 days.

Don’t Like Entering Credit Card Information?

If you’d really rather not enter your credit card information in order to get a free credit score, you could try CreditKarma.com. While it does not offer an official FICO score, it does give you free access to a Credit Karma score, which is based on information pulled from your Transunion report and is pretty accurate. The best part is that it’s completely free and can be updated any time.

Also, you can take advantage of credit score estimators from MyFICO other services. The estimators usually ask you basic questions about your credit habits to estimate a score range of around 40 points (ex. 585 – 623). While it isn’t your score, it gives you an idea of where you might stand and doesn’t cost a thing.

The good news is there are ways to get your hands on your credit score and report(s) at little to no cost. So if you’re on the prowl for this information, it’s good to take advantage of these great ways to learn about what’s going on in your credit world.