Where to obtain FREE monthly FICO scores

[Anonymous]

I got an invitation.  So not sure.  They are finicky.  I would give them a try.  You don't have much on your report.  Amex offers EX fico too.

[Revelate]

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@Anonymous wrote:

I got an invitation.  So not sure.  They are finicky.  I would give them a try.  You don't have much on your report.  Amex offers EX fico too.

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Yeah but EX FICO 8 is available to everyone now on a monthly basis so the Amex FICO isn't as valuable.

Personally I'm interested in scores I can't get elsewhere which have value: DCU is one (though you can buy it in two places), and EX 98 now from NASA FCU is another (could buy from here).... whereas Penfed's Nextgen v2 or whatever if it, doesn't mean anything outside of a handful of lenders that I'm not likely to apply with anyway.

I have a couple CU's and one CC that appears to underwrite on EX 98 in addition to it's being part of the mortgage trifecta so it's a gold standard score for me anyway.

[CreditDunce]

I did a quick search for small credit unions that are now providing free credit scores.  I found a couple more providing EQ-04 scores and one providing an EX-98 score, but none providing a TU-04 score.  There are several that I am not sure what version they are providing.  This is my no means a complete list. 

Equifax

Andrews FCU - EQ-08 Quarterly for CC holders

http://www.andrewsfcu.org/ficoscore.html

Citizens AKA Charter - EQ-08

https://www.citizensbank.com/cards-and-rewards/credit-cards/cashback-plus.aspx

Coulee Dam FCU - Washington EQ-04 quarterly

http://www.cdfcu.com/fico.html

DuPont Community Credit Union - Equifax classic score

https://www.mydccu.com/lending/fico

Elements FCU - Monthly EQ-08 with Checking/HSA/loan, 12 months history

https://www.elements.org/FICOeducation

Fortera Credit Union, TN -  quarterly for CC holders
https://www.forteracu.com/fico/index.shtml

Langley FCU - Monthly EQ-08 - Anyone can join.  May be a HP on EQ.

https://loans.langleyfcu.org/Consumer/Xpress/public/Eligibility.aspx

Lennys Lending App - EQ-08

https://getlenny.com/fico-score-for-free/

GE Credit Union, OH - EQ-08 Quarterly for CC holders
http://www.gecreditunion.org/home/hidden/cc_fico

Robins FCU, Georgia EQ-04

https://www.robinsfcu.org/FICO

SunTrust - Monthly score for CC holders - EQ-08 Bank Card Enhanced

https://www.suntrust.com/personal-banking/credit-cards/card-features-rewards/fico-score-program

Unitas Community Credit Union - Month EQ score possibly EQ-04 - Wash/Oregon

https://www.unitusccu.com/personal/personal-financial-fitness/your-fico-score1/

Experian

America First Credit Union - EX-08 - Utah / Nevada

https://www.americafirst.com/services/online-services/fico.cfm

American Heritage FCU (EX-98?)

https://www.amhfcu.org/Personal/AccountAccess/OnLineTellerBillPayer.aspx

Arrowhead Credit Union - CA

http://www.arrowheadcu.org/Overview_657.html

Credit Union One - CC cards run by FNBO - EX 08 BE score

http://www.cuone.org/borrow/cuone-platinum.aspx

Community Credit Union - Florida EX-98 Quarterly

https://www.ccuflorida.org/home/services/electronic/ficoscoreinformation

Discover - Free monthly EX-08 score - adding it to the list for completeness

https://creditscorecard.com/

Experian - Free monthly EX-08 score and limited report

https://www.freecreditscore.com

Farmers Insurance Group FCU - Several states with limited branches. In addition to Farmers Insurance employees, Century 21st employees can join

https://figfcu.com/fico-score-opt-in

Harvard Employees Credit Union - For CC holders - Quarterly EX-08

https://www.huecu.org/credit-cards/fico-score/

Redstone Federal - EX-09 with active loan

https://www.redfcu.org/tips-tools/specials/fico-scores-now-available

SDDCU - San Diego - Monthly with open loan, can join financial fitness org

https://www.sdccu.com/credit-cards-and-loans/credit-card

TransUnion

Amazon store card, Sams Club, Wally - TU-08

Trumark - for CC holders - TU-08 quarterly

https://www.trumarkonline.org/loans/additional-products/ficoscore

Synchrony is now providing Monthly TU-08 scores for Amazon Store and Sam's credit card

Unknown

Commerce bank - FICO 8, bank card enhanced on monthly CC statement.

https://www.commercebank.com/fico/

Commerce bank also backs some hotel cards e.g. Dury, Voila

http://www.voilahotels.com/credit-card/

Fairfax CU - FCFCU - Quarterly score on CC statement

https://www.fairfaxcu.org/products-and-services/credit-and-loans/credit-cards/

Freedom CU - PA

https://www.freedomcu.org/resources/convenience-services/fico-scores.html

Honor CU (MI) - Quarterly, all members

https://www.honorcu.com/online-banking/credit-scores

NC Local Goverment FCU

https://www.lgfcu.org/news/credit-score-now-in-member-connect

Premier America CU - CA and Houston, Tx - Quarterly

https://www.premieramerica.com/creditscore

Redwood CU - Northern CA, Updated Quarterly

https://www.redwoodcu.org/about-rcu/press-room/press-releases/2016/10/31/redwood-credit-union-provid...

Royal FCU Quarterly

https://www.rcu.org/blog/keep-tabs-your-score

Star One - Santa Clara, CA

https://www.starone.org/fico-credit-score-free/

 Union Bank - Fico Bankcard Score 9 - Monthly with Credit card

https://www.unionbank.com/personal-banking/loans-lines-credit/credit-cards/fico-information.jsp

Coming soon

Stanford FCU

https://www.sfcu.org/fico34598/

Coors FCU

https://www.coorscu.org/Do-More/Helpful-Information/Credit-Reports.aspx

DCCU, VA on credit card statements
https://www.mydccu.com
http://www.vacul.org/About/News-Publications/News-Releases/DuPont-Community-Credit-Union-Selects-Mas...

1st United Credit Union.  Available quarterly

https://www.1stuscu.org/?Cabinet=Main&Drawer=SERVICES&Folder=Services&SubFolder=FICO%c2%ae+Score

[Anonymous]

I'm obsessed with data and data points so I get as many free credit reports as possible. Scores outside of CCT and MyFico I ignore unless it's a CC like Walmart that gives you your actual TU FICO 08 score.

FREE credit score providers list I use....

1. Quizzle.com (Transunion) once a month

2. Mint.com (Equifax) quarterly

3. LendingTree.com (Transunion) once a month

4. Credit.com (Experian) every two weeks

5. CreditKarma.com (EQ & TU) weekly

6. CreditSesame.com (Transunion) once a month

7. Walmart (Transunion) once a month

8. CapitalOne.com/CreditWise (Transunion) weekly

Paid credit score providers...

1. CreditCheckTotal.com (all three credit bureaus) DAILY Experian and once a month TU and EQ FICO scores. $15.91 per month (with tax).

[CreditDunce]

Fingerhut is now offering a monthly EQ score.  Sounds like a classic EQ-08 score.  It makes Fingerhut much more appealing for rebuilders:

http://ficoforums.myfico.com/t5/Credit-Cards/Fingerhut-now-offering-a-free-EQ-FICO-8/td-p/4768622

[Anonymous]

Experian, FICO Risk Model V2 - Bankcard - Score Range: 250 to 900 - Where to obtain - wellsfargo.com; Obtain for free - Wells Fargo CC
Experian, FICO Risk Model 08 - Score Range: 300 to 850 - Where to obtain -  MyFICO.com; Obtain for free -  AmEx CC; Lender Pulls - BOA / Fidelity / AmEx / Chase
FICO Risk Score, Classic 08 - Score Range: 300 to 850 - Where to obtain - discover.com, barclaycardus.com; Obtain for free - Discover CC/ Barclay's CC/ Walmart CC; Lender Pulls - Barclay's

BEACON 09 Bankcard - Score Range: 250 to 900 - Where to obtain - citi.com; Obtain for free - Citi CC; Lender Pull - Citi

Experian, FICO Risk Model V3 - Score Range: 300 to 850; Obtain for free - PSECU CC

Experian, Fick Risk Model 08 - Bankcard - Score Range: 250 to 900 - Obtain for free - FNBO CC

BEACON 5.0 - Score Range - 300 to 850; Where to obtain - MyFICO.com; Obtain for free - DCU checking + CC; Lender Pull - US Bank/Cap1
NextGen Pinnacle 2.0 - Score Range - 150 to 950; Lender Pull - PenFed

FICO Risk Score, Classic 98 - Score Range - 300 to 850; Where to Obtain - MyFICO.com

FICO Risk Score, Classic 08 Auto - Score Range - 250 to 900; Lender Pull - VW Credit Inc

FICO Risk Score, Classic 04 - Personal Finance - Score Range - 309 to 839; Lender Pull - Chase
Experian, FICO Risk Model V2 - Personal Finance - Score Range - 320 to 844; Lender Pull - Chase

BEACON 5.0 - Mortgage - Score Range - 334 to 818; Lender Pull - 1st Citizens Bank

[CreditDunce]

DOC went through some CFPD docs to get a list of banks/FCUs that offer free FICO scores:

http://www.doctorofcredit.com/comparison-free-fico-scores-banks-cus/

Some of the scores not listed earlier in this thread are:

EX-98: First Commonwealth;1st United CU; America First CU;  Elevations CU; Mountain America FCU;  Premier America CU; Stanford FCU; TrueCore FCU

EX-08: KeyPoint CU; Star One CU; Polish & Slavic FCU; Whatcom Educational CU

EX-09 BE: MUFG Union Bank

EQ-04: DuPont Community CU; Fairfax County FCU; Listerhill CU

EQ-08: General Electric CU; Healthcare Systems FCU

As of this post, DOC has Langley FCU providing an EQ-04 score.  I believe they started providing EQ-08 scores last year.  Elements also provides monthly EQ-08.

TU-08: Interra CU

TU-09: Commerce Bank

Unknown: MSU FCU(EX);  Fortera CU(EQ); Franklin Mint FCU(FICO 09); Affinity FCU; Chevron FCU; Firefighters First CU; Freedom CU; Maps CU; Montgomery County Employees FCU; Mutual Security CU; Sharonview FCU; Space Coast CU.

There is also some good info on a couple of banks that provide different scores based on the lending product.  For example, Ally uses FICO 08 BE for CCs and FICO 08 Auto for autoloans.

Still looking for a TU-04 score....

Note, be careful with DOC's footnotes.  Footnote 1 in the top table means quarterly.  Footnote 1 in the bottom table means monthly.
 

[Ysettle4]

Add to the list:

EQ-09: NavyFederal

[Anonymous]

Is there someone who would like to start a new thread like this, and be willing to be the "thread owner" where she or she updates the post at the very top as people make suggestions?  Newcomes could benefit from this a lot, but not if they have to read through hundreds of posts.

[Revelate]

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@Anonymous wrote:

Is there someone who would like to start a new thread like this, and be willing to be the "thread owner" where she or she updates the post at the very top as people make suggestions?  Newcomes could benefit from this a lot, but not if they have to read through hundreds of posts.

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Traditionally we just update it over time, though I'm not opposed to someone's making a new thread or just running through the list and consolidating the updates too and then asking a moderator to update the main one (RIC!).

This thread was started when free credit scores were far more rare / scarce than they are today... now virtually everyone on this forum for more than three months for example will have at least one free credit score access even if they weren't trying to obtain one, so I'd suggest this thread isn't hugely necessary anymore but what the community wants I'm all for, so if someone wants to put in the effort, go for it.