• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

National Debt Relief

National Debt Relief - A+ BBB Accredited Business - Get Relief From Credit Card Debt, Medical Bills And Unsecured Loans

Talk to a debt counselor toll free:

800-300-9550

Get Relief From Credit Card Debt

Medical Bills and Unsecured Loans

  • Apply Now
    • Qualifications
    • Is This Right For Me?
  • Proven Results
    • Debt Relief Benefits
    • Credit Card Debt Relief
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Login
HomeBlog Blog“How can I get my current FICO score for free?”
Video Transcript

Free Debt Consolidation Quote

By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
  • National Debt Relief, LLC BBB Business Review
  • McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

“How can I get my current FICO score for free?”

February 10, 2013 by National Debt Relief

how debt relief affects credit scoreIf you don’t know what a FICO score is, it’s that little three-digit number that rules your credit life. The name FICO comes from Fair Isaac Corporation, the company that originated the FICO score. It changed its name to just FICO a few years ago, which I guess is a shade better than Fair Isaac.

Nobody knows except FICO

Nobody but FICO knows exactly how it computes its scores. This is a trade secret that’s guarded by the company as carefully as the crown jewels. However, it is known that it’s based at least loosely on the following.

35% on payment history (how well you’ve handled your credit)
30% on credit utilization
15% on length of credit history
10% on types of credit used
10% on recent searches for credit

Review this carefully

If you review these percentages carefully, you will see that 65% of your credit score is based on how you’ve handled your credit. If you’ve had a number of late payments or have skipped payments, this will be reflected in your payment history. Credit utilization is a bit trickier as it’s the ratio of your total revolving credit (how much revolving debt you have) to your total available revolving credit or credit limit. What this translates into is that it’s better to have available revolving credit of, say, $10,000 and just $2,000 in revolving debt (like credit card debt) than to have $20,000 of total revolving credit but revolving debt of $12,000 in revolving debt.

Where to get your FICO score free

There is only one place you can get your FICO score free and that is on the website www.myfico.com. Except it’s not exactly free. You can get the score without spending a dime but only if you’re willing to sign up for a trial subscription of the company’s Score Watch program. While the trial subscription is free, you need to make sure you cancel out before it ends or you’ll be on the hook for $14.95 a month for three months or a total out-of-pocket of $44.85.

Where else to get your credit score

There are other ways to get your credit score besides going to www.myfico.com but – spoiler alert – it won’t be your true FICO score. For example, you could go to the site www.creditkarma.com, jump through some hoops and then get your score free. However, it won’t be your FICO score. It will be based on a formula developed by the three credit reporting bureaus and will be similar to your true FICO score but not exactly the same. Of course, free is free and you may not care if it’s not exactly the same as your FICO score.

Experian, TransUnion and Equifax

It’s also possible to get credit scores from the three credit bureaus – Experian, TransUnion and Equifax. However, each one will force you to jump through some hoops and may require you to sign up for a free trial of one of its services and, again, the scores won’t be the same as your FICO score. If you search Google on the term “credit score”, you’ll find many more options. Most will require you to do something before you get your “free” credit score. In other words, as the old adage goes, there is no such thing as a free lunch or a totally free credit score.

Do you qualify for debt consolidation?

National Debt Relief
National Debt Relief

National Debt Relief is one of the largest and best-rated debt settlement companies in the country. In addition to providing excellent, 5-star services to our clients, we also focus on educating consumers across America on how to best manage their money. Our posts cover topics around personal finance, saving tips, and much more. We’ve served thousands of clients, settled over $1 billion in consumer debt, and our services have been featured on sites like NerdWallet, Mashable, HuffPost, and Glamour.

Follow National Debt Relief: Facebook Twitter Instagram Linkedin

Primary Sidebar

Consolidate Your Debt!
Find out how NDR could help.
  • Get one low monthly payment
  • Avoid bankruptcy
  • Get out of debt in 24-48 months
Get Your Free evaluation
Free Debt Consolidation Quote
By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
 Trusted By Our Clients

"So far - it’s been amazing!"

I am saving money per month and paying down my debt faster then ever. Tatiana T. was very helpful during the entire process. Can’t wait to fast forward to 4 yrs and be debt free!! What a wonderful feeling that must be. Thank you for existing to help people, National Debt Relief!!

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Birsen Memet
ConsumerAffairs Reviews

Latest Blog Posts

  • How To Write The Perfect Salary Negotiation Email
  • How To Go Back to School as an Adult
  • Is It the Right Time to Ask for Raise?
  • How To Turn A Summer Gig Into A Full Time Job
  • Debt Consolidation: 7 Tips on How to Pay Debt Off
National Debt Relief, LLC BBB Business Review AFCC Top Ten Reviews Gold Top Consumer Reviews Consumers Advocate Trust Pilot
Company
  • About Us
  • Contact Us
  • Blog
  • Careers
  • Corporate
  • Privacy Policies
  • Terms Of Site
  • Disclaimer
  • Sitemap
Products
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Debt Settlement
  • Calculators
  • FAQs
Debt Resources
  • Credit Card Debt
  • Medical Debt
  • Personal Loan Debt
  • Unemployment
  • Divorce Debt
  • Retiree Debt
  • Veteran Debt
  • Business Debt
  • Personal Finance
Follow Us
  • Facebook
  • Twitter
  • Linkedin
  • Instagram
  • Pinterest

© 2021, National Debt Relief, All Rights Reserved.

Disclaimer
Disclaimer
Disclaimer