Q: I want to know how I can obtain a genuine FICO credit score (not a FAKO/imitation) and I don’t want to pay a dime for it. I refuse to sign up for a”free” trial. No credit card number should be needed if it’s truly free. Are there any websites that offer this?
A: Almost every website out there uses FAKOs (Experian PLUS Scores, VantageScores, and other imitators which often times are of little value to you). Only three sites give you authentic FICO scores: MyFICO.com, Experian.com (as part of its credit-monitoring service) and Exquifax.com
All those options will cost you money, though.
Currently, you have a better option: Some cards now offer ongoing free access to your real FICO. There’s no catch, you just have to be a cardholder of one of them to take advantage of it.
Now, this means you will have to apply for and get approved for a card. But if the card is a good fit for you, you’ll be able to see your FICO without worrying about fees from “free” trial websites.
Not a one trick pony, either
Plus, in addition to access to your score, you’ll get rewards through your credit card. Discover, Citi (as of January 2015) and Barclaycard all let you view your score via your online card account, and all have cards with great rewards programs.
If your credit score isn’t so hot, then go for Barclaycard’s Rewards MasterCard instead. It’s marketed towards people who have fair and average credit. I have heard from many, MANY people who have sub-prime credit have reported getting approved for it. There are few cards on the market in this category that come with no annual fee, let alone a rewards program.
Conclusion? Stop paying for FICO, don’t settle for FAKO
You won’t have to hassle with those dubious trial offers or paid memberships again! Now that you can get your FICO score online for free through major card issuers, you can access the same type of score that lenders and creditors actually use.
Updated August 17, 2016