So, what is a FICO Score? It’s a number that is formulated based on your credit history helping lenders evaluate your credit risk. Your FICO Score is used to determine credit offers and interest rates — and now it’s free for you to view.

Building and maintaining an excellent credit score helps consumers save money when they need to obtain a loan. The higher your credit score, the more lenders are willing to give you a lower interest rate, which means consumers can save additional money down the road.

Good news for those resolving to keep a close eye on their credit history in 2015: There’s no need to pay a dime to do so. It’s never been easier for consumers to get a hold of their credit scores or credit reports for free. Major credit card issuers, including Discover and Capital One, offer cardholders a monthly look at their three-digit scores, which are used by lenders to gauge your financial health.

Millions more people will have free access to their FICO credit score this year. That’s good news for consumers, since the number is widely used by lenders to check potential borrowers’ financial health.

Credit Card Application for Credit One Bank is one of the leading issuers of Visa credit cards specifically for consumers who need to establish or rebuild their credit. Through Credit One Bank’s website, consumers can get pre-qualified or apply for a credit card without affecting their credit score.