Monitoring your FICO score has become easier and cheaper. Now everyone, including retirees, can easily check their FICO scores to avoid getting hurt by a too-low rating. If you'd like to know your score, try one of these easy options. You may not need to go any further down the list than the completely free #1.
— free to everyone at https://www.creditscorecard.com/
, no need to be a customer or cardholder to use this website.
2. Bank and credit card companies
- Select banks, credit unions and credit card companies offer free access to their customers or cardholders.
•USAA: Enroll in free CreditCheck1.
•Merrick Bank: GoScore, a free benefit, includes emailed FICO scores.
•First Bankcard (First National Bank of Omaha)
•Bank of America
•Chase Slate card
•Wells Fargo: Customers with mortgages, home equity lines of credit, private student loans, personal loans, consumer credit cards and certain auto loans can see their scores through Wells Fargo Mobile banking.
3. Credit unions
•Pentagon Federal Credit Union
•North Carolina State Employees’ Credit Union
•Digital Federal Credit Union (DCU)
•Pennsylvania State Employees Credit Union
4. Checking accounts
- ask your bank if your checking account allows you free access to your FICO score.
5. Credit applications
- Whenever you apply for purchase credit, ask the person who checks your credit score to share it with you.
6. Auto lenders
•Hyundai Capital America (including Hyundai and Kia Motors Finance)
7. Undergraduate student loans
through Sallie Mae Smart Option
8. Credit counselors
- 30 participating agencies share FICO scores with people who are enrolled in counseling. Call the National Foundation for Credit Counseling at 800-388-2227 or use the online agency locator to make an appointment and learn more.