How to Get Your Credit Score for FREE


Up until this point in your career, the most important numbers in your life may have gone by the abbreviations "MCAT" or "USMLE". But it may be time to start thinking about another 4 letter score - FICO.  Your credit score will undoubtedly prove more influential in your financial lives, so it's good to have an idea of where you stand among the borrowing public. Below you will find out why you should care about your credit score and where you can go to get it for FREE.  

What is it good for?

Your credit score is like your MCAT score, only for a different purpose: rather than getting into the medical school of your choice, the goal is to obtain a loan (e.g. credit card, mortgage, auto loan etc).  While it is always preferable to pay cash for what you want, few of us can afford to pay cash for a house.  The higher your credit score, the more likely lenders will loan you money.  For what makes up this all important score, check out this previous post Your Credit Score - Demystified

How to get it for free

For decades, the Fair Isaac Corporation made their FICO score the standard of credit scores, and charged for access to that score.  Luckily for us, the credit score market has become more competitive - now there are multiple sources to get your credit score for free.  Keep in mind that depending on which credit bureau the score is pulled from (Experian, Transunion or Equifax), the reported number may differ.

I hope this was helpful.  Comment below if I left any free credit score providers off the list.


Future Proof, MD

Dr. Bo Liu is an aspiring radiologist-in-training and the founder and editor of the White Coat Money Blog.  He has an interest in interventional radiology and helping his medical colleagues get ahead in this mad world of medicine and money.  When he's not crushing the list at the PACS station or typing up your next favorite blog post, you can usually find him at the local badminton club, movie theater or the most recently opened restaurant.