View Your Free FICO Score for all 3 Credit Bureaus

There are lots of free credit scores floating around, but most of them are not the true FICO score that lenders subscribe to and use as part of their decision.
However FICO is working to change that by allowing banks and credit unions to give you free ongoing access to the real score they use to make lending decisions as long as you are an account holder.
The easiest place for anyone to get their free FICO is via the Discover Credit Scorecard . You do not need to be a customer of Discover – anyone can register and get their official FICO score for free. The data is from the Experian credit bureau.
You can also get a free Experian FICO 8 score at While that site used to require you to enter your credit card to get information, your FICO score and Experian report are now completely free with no credit card information needed.
To find out where to get your FICO score from the other credit bureaus, read on.
Every bank chooses at least one of three credit bureaus to calculate a FICO score: Equifax, Experian, and Transunion. The FICO score one bank uses can be different than another depending on which credit bureau they pulled a report from.
The good news is, you can now see your real, free FICO score from all three credit bureaus depending on which banks hold your accounts. FICO itself charges almost $60 for you to see those scores, though they also throw in full copies of your credit reports, which the free bank scores do not.
Here’s where to find your real, free FICO scores from banks or credit unions anyone can join:
Equifax Scores

Available With: Any Citibank branded credit card. This does not include Citibank cards with other brands like the American AAdvantage or Hilton HHonors cards.
Where to Find It: On your online statement
Score updated: Monthly
Learn more

DCU Credit Union

Available With: Any credit card, or a checking account with direct deposit
Where to Find It: Look for an invitation in your online account
Score Updated: Monthly
Learn more

Huntington Bank

Available With: The Huntington Voice credit card – you will get a FICO Bankcard 02 Score from Equifax
Where to Find It: Log into your account and you’ll see a link


Available With: PenFed members with active checking accounts, installment loans, and revolving lines of credit
Score Updated: When PenFed refreshes – no set schedule
Where to Find it: Login to your account and click ‘Your FICO Score is Ready’
Notes: PenFed uses a more advanced ‘Next Gen’ FICO score that has a different scale than traditional FICO scores, with 150 as the lowest score and 950 as the highest score. Most banks use a score with a scale of 300 to 850. Because of this the score you see on PenFed’s site may be higher or lower than what you see from others.
Learn more

Experian Scores
Capital One and American Express regularly use Experian’s FICO among others for credit decisions.
American Express

Available With: Any American Express credit card
Score Updated: Monthly
Where to Find It: On your online account


Available With: Chase Slate® credit card accounts
Score Updated: Monthly
Learn more


If you have a Discover credit card already, you will see your FICO score on your statement and online. It is updated monthly.
If you are not a Discover customer, you can sign up to get your FICO score for free by visiting .

First National Bank of Omaha

Available With: Any credit card account
Score Updated: Monthly
Where to Find It: On your online account
Learn more

Please note:  a previous version of this blog post noted that USAA provides a free FICO credit score. USAA actually provides a free VantageScore.
Transunion Scores
Bank of America

Available With: Select credit card accounts
Score Updated: Monthly, with history
Where to Find It: Link available on your account summary page under the ‘Tools and Investing’ section


Available With: Any credit card account
Score Updated: Monthly
Where to Find It: Link available on your account summary page
Learn more

Walmart / Sam’s Club

Available With: A Walmart Credit Card, Walmart MasterCard, or Sam’s Club Credit Card
Score Updated: Monthly
Where to Find It: At, only if you enroll in online delivery of monthly statements
Learn more

Unknown Bureau
 State Employees Credit Union of North Carolina

Available to all credit card holders

Other, less open to the public free FICO providers include:

Ally, for auto loan holders
Hyundai and Kia Motor Finance, which offer a quarterly score, but only if you’re a new buyer, recent college grad and bring your diploma to the dealer at the time of purchase.
Sallie Mae, which offers a free, quarterly Transunion score if you receive a new Smart Option Student during the 2014-2015 academic year or later.
Merrick Bank doesn’t have open applications, but does offer free scores to its cardholders.
Some credit unions with limited membership also offer scores, so check yours to see if it provides them.


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