How to Check Your Own FICO Score

A reader working to qualify for a mortgage writes:

“I have checked my credit with the three bureaus, and they seem to have all my info up to date and everything looks good. My problem is that on the free credit reports I received (via, I can see everything except my FICO score. Before I go see another mortgage guy, I want to make sure my FICO score is at least half decent. I am willing to pay a nominal fee each time I see it, but I certainly do not want to be involved in monthly credit monitoring programs, which is what everyone wants to sell me.”

Credit reports don’t include credit scores.

For better or worse, everybody’s obsessed with one number when it comes to credit: the FICO score. And this reader’s right. Wherever you obtain a copy your own credit report (from or any of the free-trial/paid credit monitoring programs), it does not include a credit score—the numerical indicator of your creditworthiness.

Although it’s important to check your credit score at least once a year to ensure its accurate, looking at your report doesn’t give you a sense of how lenders will perceive your credit—or how your credit compares to nationwide averages. If you’re trying to build credit to qualify for a mortgage or auto loan, there is no way to know when your credit history is “good enough” to get a good rate.

Hence, it’s a good idea to check your own FICO score from time to time. There are two ways to go about doing this.

The FICO score is a proprietary product offered to lenders by the Fair Isaac Corporation. Unlike the three credit bureaus, the government does not mandate Fair Isaac provide consumers with a free way to access their FICO score. To check your own FICO score, you’ll have to pay for it. You can check your score at using their FICO Standard package for a one-time fee of $19.95. Of course, they also offer a variety of monthly credit monitoring plans that you may not need unless you want to see how your score is growing over time.


CreditKarma provides a free alternative to myFICO.

CreditKarma provides registered users with a free “simulated” credit score based upon your TransUnion credit report. The score is simulated because it is based upon CreditKarma’s own algorithm, and the score isn’t used by lenders. I haven’t heard yet how these simulated scores compare to authentic FICO scores, but I still think CreditKarma’s a great way to get a sense of how your credit report translates into a credit score and watch how your score moves over time—all for free. Get your credit score with CreditKarma now.

Published or updated on September 3, 2009

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About David Weliver

David Weliver is the founding editor of Money Under 30. He's a cited authority on personal finance and the unique money issues we face during our first two decades as adults. He lives in Maine with his wife and two children.

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