To see your real FICO 8 score, here are the best options: The Best options for free scores are what @GZG mentioned in the first reply
myFICO: This is the official site for FICO scores. They offer various plans that include your FICO 8 score, along with other versions and detailed credit reports.
Credit Card Issuers: Some credit card companies provide free access to your FICO score as part of their services. Check if your bank offers this
Credit Monitoring Services: While you mentioned using Smart Credit and Credit IQ, ensure they specifically provide the FICO 8 score. Not all services offer the same score model. Most third party monitoring services only show Vantage 3.0 scores
Annual Credit Report: You can get a free credit report once a year from AnnualCreditReport.com, but this won't provide your FICO score. However, it can help you understand your credit history. Annual Credit Report will allow you to pull your reports for free once every 7 days, not once a year only.
Direct Purchase: You can also buy your FICO score directly from the FICO website, ensuring you're getting the most accurate version.
Always make sure you're looking for the FICO 8 version specifically, as there are different versions (like FICO 9 or FICO 10). Good luck!
The best options for seeing your Fico 8 scores for free from EX and EQ were given in the first reply. MyFico offers one time purchases as well as different paid monthly plans.
