Best Places to get FICO Scores for Free
Your FICO Score is a very important indicator of how well you’re doing credit wise. FICO Scores can be retrieved at a small cost but there are some ways to obtain your credit report and sometimes your score for free.
Gather together information about yourself such as your social security number, past addresses and current pertinent financial information. All of this will be necessary in order to pull up your FICO Score.
Determine if you’ve received your free credit report for the year. In September 2005, the US government began offering free annual credit reports for all citizens. Find out when the last time you pulled your credit report, and see if you can get it again for the year.
Applying for a mortgage will give you a free FICO Score. Mortgage lenders are required to give this information to the consumer by law. Of course, only do this if you plan to purchase a home, but it will provide you with access to an accurate FICO Score for free.
The credit bureaus aren’t in the business of giving FICO Scores away, but they will give you your FICO Score if you sign up for one of their credit related services. Fortunately, they offer trials so you can sign up for a program, see your FICO Score, then cancel the trial.