Fico Credit Score Estimator
Here is a free FICO Credit Score Estimator powered by FICO®, the most trusted name in credit scoring. Use it to get a sense at what your actual FICO score is, or to simulate different credit scenarios such as utilization or number of credit card to see how they affect your Fico.Under the Fair Credit Reporting Act (FCRA) your credit score must be disclosed to you upon request. Unfortunately, this privilege is not free.
If you just want to get a feeling of what your Fico score is without paying for it, your only option is to use this free FICO Credit Score Estimator from FICO®.
All you need to do is answer 10 multiple-choice questions (depending on your answers – a few follow up questions may follow), based on the five categories of information that are used to calculate your FICO score.
Have your credit report handy before you start because the answers to all of the questions are based on the information that’s on your credit report.
At the end of the questionnaire you will be given a range in which your Fico score falls. You can then go back, change a few answers to simulate different credit utilization, number of credit cards etc and see how they affect your Fico.
Keep in mind that the FICO Credit Score Estimator is provided ONLY for educational purposes, and it doesn’t guaranty that your real FICO score falls within the range supplied.
Side Note: You need to be older than 18 and must have at least one credit card in your name for at least 6 months in order to have a FICO score. If you’re young or prefer to use cash, it is very likely that you don’t have a score.