myFICO®

Get your FICO® score. Free.

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 rate. Now it's free*.

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A full explanation of your FICO® score and how lenders view you

The factor used to determine your mortgage rates, car loans and credit card terms. 90% of the largest banks use your FICO® credit score for credit decisions. A 100 point difference in your FICO® score could mean over $40,000 extra in interest payments over the life of a 30 year mortgage on a $300,000 home loan.

*IMPORTANT INFORMATION: When you order your free FICO® Score here, you will begin your 10-day trial membership in Score Watch®. If you don't cancel your membership within the 10-day trial period, you will be billed $14.95 for each month that you continue your membership. A three month minimum subscription applies. You may cancel your trial membership anytime within the trial period without charge.

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Do You Know Your FICO® Score?

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Discover your FICO® Score, the factors affecting it and your current credit report.

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Understanding Credit

What's In a FICO® Score

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FICO® Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories. Learn more about what's in your score >

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*IMPORTANT INFORMATION: When you order your free FICO® Score here, you will begin your 10-day trial membership in Score Watch®. If you don't cancel your membership within the 10-day trial period, you will be billed $14.95 for each month that you continue your membership. A three month minimum subscription applies. You may cancel your trial membership anytime within the trial period without charge.

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