WHERE TO GET YOUR FICO SCOREFICO Scores are used by 90% of top lenders. There are lots of "credit scores" offered to consumers, so it's important to understand which score you're getting and how much it is used, or not used, by lenders — and it's more important than ever to make sure you know your FICO Scores. Show
Authorized FICO Score RetailersObtain your FICO Scores directly from an authorized FICO Score retailer to ensure you're getting your FICO Scores — and not any other type of credit score. If they aren't listed, they aren't delivering FICO Scores. FICO Score Open Access ProgramFICO Score Open Access is a program that helps educate consumers on FICO Scores and increases consumer access to FICO Scores. FICO works with over 200 financial institutions to give their customers absolutely free access to the 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 see your FICO Scores, along with the top factors affecting your scores, for free. Below is a list of some lenders participating in FICO Score Open Access. Look to see if your lender is listed. If you are a service provider partner and want to share FICO Scores with your customers, contact us. If you are a lender and want to share FICO Scores with your customers, contact us. FICO Score Open Access for Credit and Financial Counseling ProgramFICO Score Open Access for Credit and Financial Counseling enables credit and financial counseling providers to share FICO Scores with their customers. The program was designed specifically for credit and financial counselors to increase consumer understanding of FICO Scores and their importance in everyday financial decisions. Over 100 counseling organizations are participating, and more than 250,000 credit scores have been shared with consumers through this program. If you want to learn more about the program, please click here.
It’s always 100% free. Period. Here’s how reporting works: We’ll help with your first step, next step and every other step along your financial journey. It won’t hurt to look Stay up to date Your credit, to go
Ready to help your credit go the distance? Log in or create an account to get started.How do I get my real credit score for free?Request Your Free Credit Report:
Online: Visit AnnualCreditReport.com. By Phone: Call 1-877-322-8228. For TTY service, call 711 and ask the relay operator for 1-800-821-7232.
Is Credit Karma your actual score?The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus. This means a couple of things: The scores we provide are actual credit scores pulled from two of the major consumer credit bureaus, not just estimates of your credit rating.
Which credit score is most accurate?Although Experian is the largest credit bureau in the U.S., TransUnion and Equifax are widely considered to be just as accurate and important. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions.
What is your original credit score?The base credit scores of the most popular credit-reporting models start at 300. Starting with a score of around 300 is possible only if you've managed your finances poorly. You may start to build a credit history or improve your score without using any type of credit.
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