Where To Get Your FICO® Scores

FICO® Scores are used in over 90% of U.S. lending decisions1. There are lots of “credit scores” offered to consumers, so it’s important to understand which score you’re getting and how much it is used, or not used, by lenders — and it's more important than ever to make sure you know your FICO® Scores.

Authorized FICO® Score Retailers

Obtain your FICO® Scores directly from an authorized FICO® Score retailer to ensure you’re getting your FICO® Scores — and not any other type of credit score. If they aren’t listed, they aren’t delivering FICO® Scores.

FICO® Scores are only provided on Equifax® products that specifically state a FICO® Score is included, including the Credit ScoreWatch® product and the Score Power® product. Other Equifax® products may contain credit scores that are not FICO® Scores

FICO® Score Open Access Program

FICO® Score Open Access is a program with lenders to help educate consumers on FICO® Scores and increase consumer access to FICO® Scores. FICO works with over 100 financial institutions to give their customers absolutely free access to the same FICO® Scores they are using to manage credit accounts. If your bank, credit card issuer, auto lender or mortgage servicer participates in FICO® Score Open Access, you can see your FICO® Scores, along with the top factors affecting your scores, for free. Below is a list of some lenders participating in FICO® Score Open Access. Look to see if your lender is listed.

If you are a lender and want to share FICO® Scores you use in credit decisions with your customers, contact us.

FICO® Score Open Access for Credit and Financial Counseling Program

FICO® Score Open Access for Credit and Financial Counseling enables credit and financial counseling providers to share FICO® Scores with their customers. The program was designed specifically for credit and financial counselors to increase consumer understanding of FICO® Scores and their importance in everyday financial decisions.

If you want to learn more about the program, please click here.

1. CEB TowerGroup (May 2015). Analyst report. © 2015 The Corporate Executive Board Company. All Rights Reserved.

Still have questions?