How Do I Get My Real FICO Score?

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You can get a real FICO^® Score^☉ from many sources, including credit bureaus, lenders, credit card issuers and other financial institutions. There are many versions of the FICO^® Score, and they may have different uses, but they're all real. When you're reviewing your score, you'll want to know which type of FICO^® Score it is, and whether it's the best version to be looking at in your situation.

What Is a FICO^® Score?

A FICO^® Score is a credit score that's developed and offered by FICO^®. The company, originally named Fair Isaac Corporation, released its first credit bureau-based credit score in the 1980s. Since then, FICO^® has created different types of credit scores and released new versions of its scores that have updated how calculations are made.

For example, FICO^® offers base FICO^® Scores, such as FICO^® Score 8, FICO^® Score 9 and, its latest, FICO^® Score 10. These are general-use scores designed for use by multiple types of lenders for a wide range of credit products. FICO^® also publishes industry-specific credit scores, such as the FICO^® Auto Score for auto lenders and FICO^® Bankcard Score for use by credit card issuers.

The base scores range from 300 to 850, while industry-specific scores range from 250 to 900. Both types of scores are intended to predict the same thing: the likelihood that someone will be 90 days late on a payment within 24 months. FICO^® does this by analyzing the information within your consumer credit reports from either Experian, TransUnion or Equifax.

FICO^® builds different scoring models to align with how each bureau stores your information. Earlier versions of FICO^® Scores even had different names based on the bureau, including the models that are still commonly used for mortgage underwriting:

Experian/Fair Isaac Risk Model v2 (FICO^® Score 2)
Equifax Beacon 5.0 (FICO^® Score 5)
TransUnion FICO^® Risk Score 04 (FICO^® Score 4)

Since the release of FICO^® Score 8, each new base model has used the same version number across all three bureaus, but the models are still customized with the bureau in mind. VantageScore^® , another credit scoring company, uses a tri-bureau model that scores credit reports from Experian, Equifax and TransUnion using the same methods.

FICO^® and VantageScore credit scores are the most widely used credit scores, but other credit scoring companies are out there. For example, large creditors may use custom-built credit scores to help them evaluate new and current customers, and companies may publish educational credit scores for their customers to refer to. Educational scores may accurately assess your creditworthiness, but they shouldn't be relied on when making a decision to apply for credit since they can differ significantly from the scores used by lenders.

Which Credit Score Should You Check?

When you check your credit, you'll likely receive either a FICO^® or VantageScore credit score. Your score will depend on which scoring model is being used and which credit report is being analyzed (because your credit reports likely aren't identical).

The type of score might not matter if you're looking for an estimate of where you stand or want to track whether your score is going up or down. Fortunately, credit scores tend to move in a similar direction as they all analyze your credit reports with the same general goal in mind.

Creditors can choose which score to use, and they don't have to disclose which of your credit reports or which score they are going to request ahead of time.

Knowing at least one of your general-use FICO^® Scores, such as FICO^® Score 8, could be helpful as creditors often use a FICO^® Score when evaluating new credit applications. Also, many mortgage lenders use the earlier FICO^® models mentioned above to comply with federal regulations. Knowing those three FICO^® Scores could be helpful if you're shopping for a mortgage.

How to Get Your FICO^® Score

There are several ways to get your FICO^® Scores, both for free and at a cost.

You can get your FICO^® Score for free from hundreds of financial services companies, including banks, credit unions, credit card issuers and credit counselors that participate in the FICO^® Score Open Access program and offer free scores to customers.

For example, if you sign up for a free credit score from Experian, you'll get a FICO^® Score 8 along with a copy of your credit report. Unlike some services that only track and show you your score, you'll then be able to review the underlying information (the credit report) that led to the score. Signing up for the Experian Premium membership will provide access to your base FICO^® Score 8 as well as your FICO^® Score 2, FICO^® Auto Score 2 and FICO^® Bankcard Score 2.

FICO^® also sells scores on myFICO.com and authorizes "FICO^® Score retailers." These companies may offer free or paid access to FICO^® Scores to consumers, and sometimes include additional products or services with your score.

Checking with your bank or current credit card issuers is another option you may have. For example, American Express cardholders can get a FICO^® Score 8 based on their Experian credit report and Citi cardholders can get a FICO^® Bankcard Score 8 based on their Equifax credit report.

Keep an Eye on Your Credit

Your real FICO^® Score can be had for free in several ways, but if you want to check multiple FICO^® Scores, you'll generally need to opt for a paid service. You can look for services that come with more than just your credit scores, such as an Experian Premium membership. Experian's service also includes free credit report and score monitoring with notifications if there are any suspicious changes. Additionally, you get a wide-range of identity theft monitoring and protection services, including dark web surveillance and up to $1 million in identity theft insurance.

You can also match your score checking or monitoring with your current needs. A free score tracking service can help you keep an eye on one of your FICO^® Scores and give you a sense of if your credit is improving. But a paid service may make more sense if you want identity theft protection, or if you're planning to buy a home and want to check the FICO^® Scores that mortgage lenders commonly use.

How Good Is Your Credit Score?

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580 credit score 581 credit score 582 credit score 583 credit score 584 credit score 585 credit score 586 credit score 587 credit score 588 credit score 589 credit score 590 credit score 591 credit score 592 credit score 593 credit score 594 credit score 595 credit score 596 credit score 597 credit score 598 credit score 599 credit score 600 credit score 601 credit score 602 credit score 603 credit score 604 credit score 605 credit score 606 credit score 607 credit score 608 credit score 609 credit score 610 credit score 611 credit score 612 credit score 613 credit score 614 credit score 615 credit score 616 credit score 617 credit score 618 credit score 619 credit score 620 credit score 621 credit score 622 credit score 623 credit score 624 credit score 625 credit score 626 credit score 627 credit score 628 credit score 629 credit score 630 credit score 631 credit score 632 credit score 633 credit score 634 credit score 635 credit score 636 credit score 637 credit score 638 credit score 639 credit score 640 credit score 641 credit score 642 credit score 643 credit score 644 credit score 645 credit score 646 credit score 647 credit score 648 credit score 649 credit score 650 credit score 651 credit score 652 credit score 653 credit score 654 credit score 655 credit score 656 credit score 657 credit score 658 credit score 659 credit score 660 credit score 661 credit score 662 credit score 663 credit score 664 credit score 665 credit score 666 credit score 667 credit score 668 credit score 669 credit score

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How Do I Get My Real FICO Score?

In this article:

What Is a FICO^® Score?

Which Credit Score Should You Check?

How to Get Your FICO^® Score

Keep an Eye on Your Credit

What Makes a Good Credit Score?

How Good Is Your Credit Score?

Resources

Latest Research

Latest Reviews

Credit support

Credit advice

Most popular

Credit reports

Credit scores

Improving credit

Establishing credit

Identity Theft support

Identity Theft Advice

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Identity theft and fraud

Cybersecurity

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Digital checking account

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In this article:

What Is a FICO® Score?

Which Credit Score Should You Check?

How to Get Your FICO® Score

Keep an Eye on Your Credit

What Makes a Good Credit Score?

How Good Is Your Credit Score?

Resources

Latest Research

Latest Reviews

What Is a FICO^® Score?

How to Get Your FICO^® Score