How to Get Your FICO® Score for Free
Key Points About: Checking Your FICO® Credit Score For Free
Discover cardmembers can get their FICO® Score for free with no harm to their credit.1
Your FICO® Score that Discover provides is calculated based on payment history, amounts owed, length of credit history, new credit, types of credit, and other information in your TransUnion® Credit report.
Checking your FICO® Credit Score for free will alert you to issues you need to correct to help your credit.
Discover cardmembers can check their FICO® Credit Score for free
Why should I check my FICO® Score for free?
90% of top lenders use FICO® Credit Scores, including Discover. That’s why Discover provides a FICO® Score instead of any other type of credit score. Lenders will use your credit score to determine your credit risk and you can use your score to help prepare for the future, stay on top of your credit or avoid surprises—so it’s a good idea to review your score regularly.
How is my FICO® Score calculated?
Your FICO® Score is calculated using the information in your TransUnion® credit report from a specific point in time and summarizes your risk to lenders. FICO® Scores consider the following five categories of information. The breakdown below illustrates the significance of these categories for the general population, but note, however, that your individual score may give some factors more or less importance based on the information in your credit report.
- Payment history: 35%
- Amount you owe: 30%
- Length of credit history: 15%
- New credit opened: 10%
- Types of credit you have: 10%
Why did my FICO® Score change?
The FICO® Score Discover provides is based on the information in your TransUnion® credit report at a specific point in your credit history. As the information in your credit report changes, your score may also change. For 89% of people each month, FICO® Scores either don’t change, or change by 20 points or less.
What if I don’t agree with my credit score or the factors affecting my score?
Your FICO® Credit Score is based on the current information in your TransUnion® credit report from a specific time in your credit history. Your score can fluctuate month to month if new credit information is shared with the credit bureau. If you believe there is an error, you can:
- Request your free annual TransUnion® credit report at:
- Annual Credit Report Request Service
P.O. Box 105281
Atlanta, Georgia 30348-5281
- Dispute any inaccurate information at https://www.transunion.com/credit-disputes/dispute-your-credit
How can I affect my score?
Good financial habits (like consistently paying bills on time, keeping balances low, and only opening new credit cards when necessary) can all have a positive effect on your FICO® Score. Similarly, hard inquiries, delinquent payments, and past-due accounts may impact your score.
Why is my FICO® Credit Score different than other credit scores I’ve seen?
The score Discover provides may be different than other scores you see for several reasons:
- Discover provides your FICO® Score 8, which is one of the company’s most widely used scoring models, according to FICO. Lenders use several different kinds of FICO® Scores, depending on the type of loan they provide.
- Discover provides your score from data on your TransUnion® credit report. Scores may vary when using data from your Experian or Equifax credit report because each credit bureau uses a different scoring model, and not all lenders share the same financial information with all of the credit bureaus.
- The score Discover provides is a calculation based on your information at a moment in time and will often vary from month to month. Be sure to note your ”as of” date when you view your score.
- Discover provides a FICO® Score because 90% of top lenders use FICO® Scores1. Credit scores that are not FICO® Scores may show other results.
Will checking my FICO® Score hurt my credit?
No. Discover provides you a FICO® Score for free without affecting your credit.
Will my FICO® Credit Score ever be unavailable?
You may not see your FICO® Score if:
- You have mismatched or missing information, like an address change that hasn’t been updated with either Discover or TransUnion®.
- Your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked or charged off.
- You have a foreign address.
- Your credit history is too new.
- You put a security freeze on your credit report.
- You have opted not to receive your FICO credit score.1
- You’ve had no account activity for 180 days, in which case the score will also be unavailable online or on our mobile app.
Do joint account holders receive FICO® Scores from Discover?
Joint account holders and authorized buyers do not receive FICO® Scores from Discover.
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