Free FICO Scores & Credit Reports

Posted by Madison on June 6, 2008

When we were getting ready to refinance our house I had a list of things to get in order first.

I wanted to be sure that we would pass the lender’s underwriting guidelines with flying colors. I’ve found that it’s much easier to get something fixed before applying for a new loan, than trying to get it fixed while the bank is involved.

Update: This offer is no longer available. You can now obtain your credit reports and scores from Credit Sesame or TransUnion.

Checking Our Credit Reports

Once everything was ready, but before I applied, I checked our credit reports and credit scores just to make sure all was well. Good thing I checked, there was a balance on an old line that was paid off a couple years ago!


To check my score and report, I used myFICO. They came in handy with 2 free scores and credit reports from Equifax. They also offer a 30-day free trial of score watch, so it was easy to sign up, check my report and score and cancel. Now that’s my kind of service: free, quick, and easy!

Here’s the official details of the service from their site:

  • 2 free Equifax FICO® scores & credit reports – one at signup and one more at any time during your membership.
  • 30-day free trial of Score Watch® with no obligation. Cancel online any time during your trial membership.
  • Get alerts when your FICO® score and credit report change and see how the actions you take might affect your FICO® score with the FICO® Score Simulator.

They made it very easy to cancel, which was nice! Next time you need to check your credit score you might want to give MyFICO a try. Get your free Fico Scores and Reports!

Note: They also offer some paid credit monitoring services, which I have NOT tried; I only used the free trial.

Free Money

This article is part of the free money Friday series. Check out all the articles for tips on free money: signup bonuses, cash back, free offers, and more.

Update: As of February 14 2009, Experian will no longer allow consumers to view their FICO scores based upon Experian data. FICO scores from Equifax and TransUnion will continue to be available.

If you're looking for a new credit card, be sure to check out our credit card directory!

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