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Where to get free FICO 08 scores

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masscredit
Senior Contributor

Where to get free FICO 08 scores

This is my list of where I get free FICO 08 scores -

 

DCU - EQ - last Friday of each month

Cap 1 - TU - they just started offering FICO so I'm not sure how often they will be updated

Mercury - TU  - I don't pay attention to how often they update

EX site - I have the free plan. Haven't noticed how often it updates

TD Bank - EX - 28th of the month 

 

Would like to be able to get my EQ score more often.

 

Where do you get yours? 

EQ - 702 / TU - 679 / EX - 689

Capital One Savor - $17000 / AAA Travel Advantage Visa - $14000 /Capital One Venture - $13000 /Bread Rewards AMEX - $9450 /Apple Card - $8500/ TD Cash Card - $7500 / TD Double Up - $7000 / Mercury - $5000 / Ally Master Card - $4300 / DCU Visa - $3000 / Capital One QuickSilver - $600
$89,350
DCU Auto Loan
Message 1 of 9
8 REPLIES 8
Patient957
Valued Contributor

Re: Where to get free FICO 08 scores

Amex EX8 (daily, I think)

 

I have a bunch that offer free 9.

WF EX9 (daily, I think)

PenFed EQ9 (randomly)

Ally EX9 Bankcard (monthly)

 

Message 2 of 9
Seatac
Regular Contributor

Re: Where to get free FICO 08 scores

BTW Amex is once every 7 days

Message 3 of 9
FicoMike0
Senior Contributor

Re: Where to get free FICO 08 scores

You can get a free equifax fico8 right here on myfico.

Free tu fico8 from huntington

 

Commerce bank gives a free tu fico bankcard 9, but only every three months.

 

Message 4 of 9
FicoMike0
Senior Contributor

Re: Where to get free FICO 08 scores

I don't think the dcu score is fico8. They give my score as 777. All of my fico8 scores are over 800. I think it's a mortgage score.

Message 5 of 9
masscredit
Senior Contributor

Re: Where to get free FICO 08 scores

@FicoMike0  - You're reply had me wondering what I pay $14.95 per month for here. I've been a member since 2012. I'm guessing the plan(s) have changed over the years. For the free score you mentioned, does that update monthly or everytime there is a change? I get a notification when there is a change.   And I wonder if DCU changed what they offer? I believe it used to be EQ08. Actually, I just did the free trial at creditchecktotal. My score there is the same as DCU. Something I didn't note is this site, a good place to get all 3 once in awhile. 

EQ - 702 / TU - 679 / EX - 689

Capital One Savor - $17000 / AAA Travel Advantage Visa - $14000 /Capital One Venture - $13000 /Bread Rewards AMEX - $9450 /Apple Card - $8500/ TD Cash Card - $7500 / TD Double Up - $7000 / Mercury - $5000 / Ally Master Card - $4300 / DCU Visa - $3000 / Capital One QuickSilver - $600
$89,350
DCU Auto Loan
Message 6 of 9
14YHWH
Established Member

Re: Where to get free FICO 08 scores

Just sharing DPs .....

 

I have access to free FICO 8 scores from the following:

 

- Experian: American Express Hilton credit card - updated weekly

- TransUnion: Bank of America credit cards - updated approx. 20th of each month

 

Similar to @masscredit, I'm looking for a place to get a free FICO 8 from Equifax ...... the search continues ...... 

As of June 22, 2026
FICO 8 Scores:

Message 7 of 9
NoHardLimits
Valued Contributor

Re: Where to get free FICO 08 scores


@14YHWH wrote:

Just sharing DPs .....

 

I have access to free FICO 8 scores from the following:

 

- Experian: American Express Hilton credit card - updated weekly

- TransUnion: Bank of America credit cards - updated approx. 20th of each month

 

Similar to @masscredit, I'm looking for a place to get a free FICO 8 from Equifax ...... the search continues ...... 


MyFICO.com's free plan gives FICO 8 from Equifax.  It updates whenever there is a score change, but the credit report details only update once a month.

FICO Free Plan 

June 2026 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 38 yrs | AoYRA: less than 1 yr | New Revolving Accounts: 0/6, 1/12, 2/24 | Util: 1%
Message 8 of 9
14YHWH
Established Member

Re: Where to get free FICO 08 scores

@NoHardLimits, thank you very much!

 

I did not know myFICO had a free version.

 

The only pricing I previously knew was here .

 

Thanks a ton for the link!

 

(Forgot to mention on my earlier post, CreditWise also has free TransUnion FICO 8 scores - updated daily I believe.)

As of June 22, 2026
FICO 8 Scores:

Message 9 of 9
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