You can get your FICO credit score free by signing up for subscription credit monitoring services. However, your score is only free if you cancel your subscription before the end of the free trial period.
Sources
Experian, Equifax and TransUnion are the three main credit reporting agencies that offer subscription services that include free FICO scores. The myFICO.com website also offers a monitoring service with a free score.
Cautions
Read the fine print to find out when the free trial ends and remember to cancel before that time. Credit agencies also offer their own brands of credit score, so make sure you'll receive a FICO credit score.
Estimate
You can get a free FICO credit score estimate at Bankrate.com. After answering 10 questions about your credit history and current balances, the estimator gives you a range within which your actual score may fall.
Significance
Banks and credit card companies use your score to determine how creditworthy you are. The higher your score, the lower the interest rate banks may offer you on your mortgage or other loans.
Features
Your credit score measures your payment history, new credit, types of credit you use and level of debt. In general, payment history and the amount of money owed are the biggest influences on the score.
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