Complete List Of Places To Get Free FICO Scores (2026)
If complete list places get is on your radar, this short guide cuts through the noise. Here is what is worth knowing, and how to put it to work today.
Key Takeaways
- There is an updated version here.
- Here are all of the ways to get a free FICO score, FICO scores are used in 90% of all lending decisions.
- If you want a FAKO score (the general name given to a score not used by lenders) then we suggest using one of the free credit monitoring sit...
There is an updated version here.
Here are all of the ways to get a free FICO score, FICO scores are used in 90% of all lending decisions. If you want a FAKO score (the general name given to a score not used by lenders) then we suggest using one of the free credit monitoring sites (such as: Quizzle, Credit Karma or Credit Sesame). We also let you know the type of FICO score they offer.
Contents
- 1 Openly Available
- 2 Credit Cards
- 3 Bank Accounts
- 4 Auto Loan
- 5 Through Adverse Action
- 6 By Applying For A Mortgage
- 7 Through Your Student Loan
- 8 Other
Openly Available
Discover recently launched a new website called creditscorecard.com. This offers everybody (no need to be a Discover cardholder) access to a free Experian FICO score. It’s updated the later of every thirty days or when you log in. More information here.
Credit Cards
A number of credit cards now offer free FICO scores for card holders. This is part of the FICO open access program. The following cards offer free scores:
American Express
American Express is currently doing a pilot program, FICO scores are available to some selected cardholders. It’s not possible to participate in this program unless you were chosen. This score is based on your Experian data, we’re currently unsure on the specific model they are using.
Bank of America
They will offer free FICO scores to cardholders “later this year”. Not sure what model or credit bureau they will be used.
Barclaycard
All Barclays cards come free FICO scores, they all use the same scoring model which is TransUnion Classic Risk Score 2008 (TU-08). These scores update at least every 60 day.
Chase
Chase offer free FICO scores to their Chase Slate cardholders (and have no plans to roll this out to any other credit cards). This is an Experian classic 2008 model (EX-08) and is updated once monthly. If you don’t have access to the credit monitoring dashboard (which is where you can see your score) simply call the number on the back of your card to request it.
Citi
Citi uses the Equifax bankcard enhanced 2008 model. You’ll be able to access these free scores if you have a consumer Citi / AAdvantage credit card, there are two exclusions:
- Business credit card holders will not have access to this score
- Citi Prestige credit card holders will also not have access to this score
Discover
- Discover IT TransUnion Classic Risk Score 2008 (TU-08)
- Discover More TransUnion Classic Risk Score 2008 (TU-08)
First National Bank Omaha
All of their cards come with a free FICO score. They are offering an Experian Bankcard Enhanced FICO score 2008 ((EX-08 bankcard enhanced, range of 250-900). Click here to view all cards that FNBO offers (there are a lot more than this, as they offer a lot of co-branded cards not listed there).
Huntington Bank
They only offer one credit card: Huntington Voice (you can pick your own 3% cash back category) and this comes with a free Equifax FICO Score. It has a range of 300-850, meaning it is a classic score but we are unsure on which version it is (most likely 2008).
Only available in the following states: Florida, Indiana, Kentucky, Michigan, Ohio, Pennsylvania & West Virginia.
PenFed
All of their cards come with a free FICO NextGen score based on Equifax data. This score is updated whenever PenFed requests a new score for risk analysis purposes.
Merrick Bank
Both of the non secured credit cards offered by Merrick Bank come with a free monthly FICO score. Unfortunately you need to be invited to apply for one of these cards. The FICO score they offer is a TransUnion Bankcard Enhanced FICO 2008 score (TU-08 Bankcard enhanced,range of 250-900). Click here to view Merrick Bank credit cards.
PSECU
All PSECU credit cards come with a free FICO score. You must be a resident of Pennsylvania to become a member of this credit union. They offer a Experian Classic Risk Score 2004 (EX-04).
Walmart
- Walmart Discover® TransUnion Classic Risk Score 2008 (TU-08)
- Walmart Credit Card TransUnion Classic Risk Score 2008 (TU-08)
Wells Fargo
All Wells Fargo cards come with a free FICO Bankcard Score 2 based on Experian data. Unlike the classic score, this FICO score has a range of 250-900 (classic is 300-850). Only available via the app currently. Wells Fargo deposit account holders receive access to their FICO 9 score as well.
Bank Accounts
DCU Checking
If you have a DCU checking and you have either a DCU credit card or receive a direct deposit into your checking account you’ll receive a free Equifax Classic Risk Score 2008 (EQ-08). You need to be a member to apply for this checking account.
[Read: How To Join DCU Credit Union]
Partners 1st
This credit union offers a free TransUnion FICO score, we’re unsure of the exact type they offer. You must be a member to receive this score. Click here for more eligibility requirements.
PenFed
All of their checking accounts come with a free FICO NextGen score based on Equifax data. This score is updated whenever PenFed requests a new score for risk analysis purposes.
Save and Invest
Save and Invest offers two different FICO scores: TransUnion Classic Risk Score 1998 (TU-98) and Equifax Classic Risk Score 2004 (Eq-04) to active military members and their spouses in partnership with myFICO.
Unitius Community Credit Union
Final Thoughts
Before you check out, double-check complete list places get against current offers and any coupons you can stack. Small habits like this add up to real savings over a year. Originally published at doctorofcredit.com.
SnaggyCodes Editorial Team
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