How to Get a FICO Score by Mail

The FICO score is the most widely used rating that lenders use to assess your suitability for credit. Checking your FICO score regularly is advised, especially when considering applying for credit. It will help you understand how the assessment process works and how you can improve your score. The FICO score is separate from your credit report although the information contained within your report is used to compile your score. The myFICO site only offers FICO products online but there are two ways to obtain your FICO score by mail. (FICO stands for Fair Isaac Corporation, which developed the FICO score.)

Instructions

1

Apply online at AnnualCreditReport. Applying for your credit report is required to obtain your FICO score by mail. The credit report is free once a year, but your FICO score must be purchased. Click on the link in the Resources section. This takes you to the correct page. Click on "Request your report by mail."

2

Download the request form and print it. Complete all the details accurately. Previous residence information is required if you have lived at your current residence less than three years. Click the box to request your FICO score and supply your payment details. Mail the form with any necessary supporting information to: Annual Credit Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Your credit report and FICO score usually arrives in two to three weeks.

3

A free FICO score can be obtained by mail only when applying for a home loan. When applying for the home loan, request your FICO score, because it will not be sent automatically. The FICO score will be mailed to you by the lender.