It’s unfortunate that until now, your FICO score, which is the most popular credit score used in banking and lending, cannot be accessed not unless you pay a fee.
However, with the options that are available now, consumers can do so without paying a cent. Having said that, here are 4 ways to check your FICO score for absolutely no cost:
#1: Credit Counselors
Credit counselors at nonprofit credit counseling agencies might show scores that they might have obtained from Experian, so there’s a chance that they can show people who make appointments with them their FICO credit scores. Check with them if you can view your FICO score or else look for other places.
#2: Enrolling for a Credit Card
Enrolling for a credit card can give you access to your FICO scores. While these cards have an annual fee attached to them, viewing your FICO score is anything but free. Simply put, it’s a fringe benefit that they offer with these cards. Some of these banks include Discover, First Bankcard (F.N.B.O.), Bank of America, Barclaycard, Merrick Bank, Citi branded credit cards and Chase Slate cards.
#3: Auto Loans
If you buy cars through either Ally Financial and Hyundai Capital America (including Kia Motors Finance and Hyundai Motor Finance), then you should be able to view your FICO scores for free.
#4: Credit Unions
There are three credit unions that are offering cardholders the ability to view FICO scores. Some of them are Pentagon Federal Credit Union, North Carolina State Employees’ Credit Union and Digital Credit Union.