Moolanomy Personal Finance

How To Get Free FICO Credit Score

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It’s easy to obtain a free credit report ever since the Fair Credit Reporting Act legislation enabled you to obtain one free copy of your credit report every 12 months from each of the three major reporting agencies. However, getting your hands on your credit score for free isn’t so easy.

Currently, there’s still no absolutely free way to obtain your FICO credit score — however, you could pay a one time fee at AnnualCreditReport.com, or sign up for a free trial, to access your FICO score. You can cancel the credit monitoring or identity theft protection service before you’re obligated to make payment.

The following is a list of web sites that offer FICO credit score. The list is current as of 2/28/2010.

Web site Cost Credit Score Type
AnnualCreditReport.com Equifax FICO score = $7.95; Experian score = $5.95; Transunion score = $7.95 FICO, Experian, and Transunion
MyFICO.com Free with 30-day credit monitoring trial; $99.95/yr. after trial FICO only
CreditReport.com Free with 7-day 3-bureau credit monitoring trial; $14.95/mo. after trial FICO, Experian, and Transunion
Identity Guard Free with 2-week IDENTITY GUARD® Total ProtectionSM trial; $17.99/mo. after trial FICO, Experian, and Transunion
Equifax Free with Equifax Credit Watch™ Gold with 3-in-1 Monitoring and Score Power® service that costs $14.95/mo. FICO only

In addition to FICO credit score, you can also obtain credit score from TransUnion and Experian. Here are tutorials on how to get these score for free.

If you don’t know your score yet, give one of these sites a try.

Read more about

Fair Credit Reporting Act, credit score, free FICO score, FICO credit score, credit report, Experian credit score, free credit score

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Pinyo
Pinyo is the brain behind Moolanomy personal finance blog and a few other web sites. If you like this article, please subscribe for free daily email updates.

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1 Comments

  1. gravatar
    Johnny the knob
    March 6, 2010, 0:19

    I have never ever heard of FICO mate, what are you talking about??

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