Your credit score is crucial as it affects your eligibility for new credit cards. Different issuers offer VantageScores and FICO scores, which can vary due to different calculation methods. While these scores typically cost money, many issuers provide them for free, along with credit monitoring and related services. Viewing your scores through these services won't impact your credit score.
Here are some issuers offering free credit scores:
- Bank of America: Offers credit card consumers a free FICO score updated monthly. Customers can access it through a mobile app, online banking, and the mobile website. Small businesses also get a business credit score.
- Barclays US: Provides all 20 credit card customers with a complimentary FICO Score, accessible through the online banking portal.
- Capital One: Offers credit scores via the CreditWise website, using the VantageScore 3.0 model and TransUnion data.
- Chase: Updates credit scores weekly, offering VantageScore 3.0 from Experian to anyone who checks their score.
- Commerce Bank: Provides FICO Scores included in monthly card statements, viewable online.
- Citi: Offers customers free FICO scores through online services, updated monthly, based on Equifax data.
- Discover: Allows cardholders to access up to a year’s credit score history. Scores are also available on card statements.
- First National Bank of Omaha (FNBO): Provides access to a free FICO score, updated monthly.
- HSBC: Offers cardholders a free FICO Score based on Equifax data, provided in monthly statements.
- KeyBank: Provides a free FICO Score for credit card account holders, accessible online and updated monthly. New customers may not view the score for the first 90 days.
Using these services helps you stay informed about your credit health without any negative impact.
