How to Find Out Your FICO Credit Score for Free 2018

How to Find Out Your FICO Credit Score for Free 2018

Your credit score is a crucial factor that lenders consider when deciding whether to approve your loan application or extend credit to you. It reflects your creditworthiness and financial responsibility, making it essential to stay informed about your credit score. Fortunately, you can obtain your FICO credit score for free in 2018, and this article will guide you through the process.

What is a FICO credit score?
A FICO credit score is a three-digit number that ranges from 300 to 850 and is used by lenders to assess your creditworthiness. The score is based on various factors, including your payment history, credit utilization, length of credit history, new credit accounts, and types of credit used. A high credit score indicates good credit management and increases your chances of obtaining favorable loan terms.

How can you find your FICO credit score for free?
1. Credit card companies: Check if your credit card issuer provides free access to your FICO credit score. Many financial institutions now offer this feature to their cardholders as a value-added service. Log in to your online banking or credit card account and look for a section that displays your credit score.

2. Credit monitoring services: Several online platforms offer free credit monitoring services that include access to your FICO credit score. Websites like Credit Karma, Credit Sesame, and WalletHub provide free credit scores and credit reports. Create an account on any of these platforms and follow the instructions to obtain your credit score.

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3. Financial institutions: Some banks and credit unions offer free access to your FICO credit score through their online banking platforms. Check if your financial institution provides this service and navigate to the relevant section of your online banking account to retrieve your credit score.

4. Government-sponsored websites: The Consumer Financial Protection Bureau (CFPB) and, a website authorized by the federal government, allow you to access your credit report for free once a year from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion). While the credit report does not include your FICO credit score, it provides a comprehensive overview of your credit history and can help you identify any discrepancies or errors that may affect your credit score.


Q: How often should I check my credit score?
A: It is recommended to check your credit score at least once a year. However, if you are planning to apply for a loan or credit card in the near future, it is advisable to monitor your credit score more frequently to ensure accuracy and identify any potential issues.

Q: Does checking my credit score affect my credit?
A: No, checking your own credit score does not impact your credit. This is known as a “soft inquiry” and does not have any negative effect on your creditworthiness. However, when a lender or financial institution checks your credit score as part of a loan application or credit evaluation, it is considered a “hard inquiry” and may have a slight impact on your credit score.

Q: What if my credit score is low?
A: If your credit score is lower than desired, there are several steps you can take to improve it. Start by making timely payments on all your credit accounts, paying off outstanding debts, and keeping your credit utilization ratio low. It is also important to avoid opening multiple new credit accounts within a short period, as this may negatively impact your credit score.

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Q: Are there any other ways to obtain my FICO credit score for free?
A: Yes, some credit card companies offer free access to your FICO credit score even if you are not their customer. Additionally, some credit counseling agencies and nonprofit organizations provide free credit counseling services that include access to your FICO credit score.

Q: Can I dispute errors on my credit report?
A: Yes, if you identify any errors or discrepancies on your credit report that may be negatively affecting your credit score, you have the right to dispute them. Contact the credit reporting agency to initiate the dispute process, and they will investigate the matter and correct any inaccuracies if necessary.

In conclusion, it is crucial to stay informed about your FICO credit score as it plays a significant role in your financial well-being. By utilizing the various resources available, you can easily obtain your credit score for free in 2018. Regularly monitoring your credit score allows you to identify areas for improvement and take appropriate steps to maintain or increase your creditworthiness.