Can I get my FICO score for free?
Isabella Turner
Updated on January 29, 2026
One of the best ways to access your FICO® credit score for free is through Discover Credit Scorecard. This program is free whether you are a Discover customer or not. With the Discover Credit Scorecard, your score is updated every 30 days, and you will never be penalized for checking your score.
How can I find out what my FICO score is?
WHERE TO GET YOUR FICO ® SCORE
- FICO ® Scores are only provided on Equifax ® products that specifically state a FICO ® Score is included, including the Credit ScoreWatch ® product and the Score Power ® product.
Is your FICO score the same as your Experian score?
FICO just provides a numerical credit score, based on an individual’s payment habits and the amount of debt they carry. Credit bureaus Experian and Equifax both provide scores, too, but they also provide detailed credit histories on individuals.
Can I get my FICO score without hurting my credit?
Anytime your credit is checked, an inquiry is noted on your credit report. Soft inquiries don’t affect your credit scores, but hard inquiries can. Checking your own credit score is considered a soft inquiry and won’t affect your credit.
How often is FICO score updated?
How often do credit reports update? Your credit reports are updated when lenders provide new information to the nationwide credit reporting agencies for your accounts. This usually happens once a month, or at least every 45 days. However, some lenders may update more frequently than this.
How often is FICO score 2 updated?
once a month
You can generally expect your credit score to update at least once a month, but it can be more frequently if you have multiple financial products. Each time any one of your creditors sends information to any of the three main credit bureaus — Experian, Equifax and TransUnion — your score may refresh.
Where can I get my FICO score from?
You can get your FICO Score through banks, credit card issuers, online platforms and credit bureaus. But there are many versions of the FICO Score.
What can I do to raise my FICO score?
The impact of negative (also called derogatory) marks can diminish over time. Adding on-time payments to your credit reports can help your credit. Lowering your utilization rate can be one of the fastest ways to raise your FICO Scores because most FICO Scores only look at your most recently reported balances and credit limits.
How can I check my credit score online?
Here are a few ways: Check your credit card, financial institution or loan statement. Many credit card companies, banks and loan companies… Purchase credit scores directly from one of the three major credit bureaus or other provider, such as FICO. Use a credit score service or free credit scoring …
How does a lender look at your FICO score?
When a lender pulls your credit score (and as I’ve noticed, this will always be your FICO score), the lender actually gets three scores, one from each of the three bureaus. The lender ignores the high score and the low score, looking at the one that falls in the middle, and assigning interest rates only.”.
