How to Find Out What a FICO Credit Score Is

A FICO score is a credit rating that was created by Fair Isaac Corp., a company that specializes in "decision management." The FICO score is comprised of five variables: types of credit used, new credit, length of credit history, payment history and amounts owed. Your FICO score is an important number because it can influence such things as whether you can open a bank account, get a mortgage and purchase a new car.

Instructions

1

Navigate to a credit reporting company website. There are three companies that provide access to your FICO score: myFICO.com, TransUnion and Equifax. TransUnion and Equifax provide credit monitoring services for which you must sign up at a monthly fee, but if you wish only to check your FICO credit score, you can do so through myFICO.com, which is a website run by Fair Isaac Corp.

2

Choose the credit reports you wish to receive. You can choose the TransUnion FICO report, the Equifax FICO report, or both through the myFICO.com Web page. Each report costs $15.95. TransUnion and Equifax give you access to credit reports from Equifax, TransUnion and Experian, as well as your FICO score.

3

Create an account. Regardless of the service that you choose, you must create a personal account through the Web page. You must supply your name, address, Social Security number, date of birth, e-mail address and gender.

4

Submit payment information and complete the transaction. Once you have created a personal account, you must submit your payment information to complete the transaction. You will receive your FICO score after you complete the transaction.