1. 1

    Checking won't impact your score

    There's no harm to your credit, and we'll never sell your information.

  2. 2

    FICO® Score for free

    This isn't another educational score. FICO® Scores are used by 90% of top lenders.

  3. 3

    Puts your goals in perspective

    Whether it's getting a credit card or a home loan, checking regularly lets you know where you stand.

  4. 4

    Helps explain the ups and downs

    We'll show you what's helping your score, and what's hurting it–every month you log in.

  5. 5

    Keeps you in the know

    Checking your FICO® Score each month can give you insight into key components affecting your credit score.

  6. 6

    Strengthens your credit smarts

    We provide insight and educational resources to help you manage debt better.

Brush up on credit basics

  • 35% Payment History
  • 30% Amount of Debt
  • 15% Length of Credit History
  • 10% New Credit
  • 10% Credit Mix

How your FICO® Credit Score is determined.

Your FICO® Scores consider five categories of credit data from your credit report that may vary in importance for different credit profiles. The percentages reflected are based on the five categories for the general population.

6 Things You Should Know About Your Credit Score

Learn About FICO® Credit Scores and Why They Matter

How Are Credit Scores Calculated?

5 Factors of Your FICO® Credit Score

Frequently asked questions

  • No. The FICO® Score and other credit information we provide will never hurt your credit score. In fact, you can check as often as you like – it will never affect your score. Check back every 30 days to see a refreshed score.

  • We want you to check your Credit Scorecard without worry which is why we offer it for free – even if you're not a Discover customer.

    Nearly all lenders in the US, including Discover, use a FICO® Score among other information when they make their credit decisions, and they have for more than 20 years. We think that everyone should be informed about their credit so that they can avoid surprises.

  • Credit scores are three-digit numbers that summarize the positive and negative information on your Experian credit report. They help lenders quickly assess your credit risk, and can influence everything from car loans, to mortgages to credit cards.

    Scores change over time, so make sure to check back every 30 days to see an updated FICO® Score. All with no harm to your credit.

  • Discover is serious about security. We'll never sell your information to third parties and we take steps to protect your privacy. To understand how we handle your data, please review our privacy notice.

  • Staying on top of your credit can be very helpful if you're concerned about a data breach. Every 30 days, you can get an updated FICO® Credit Score, which includes total number of accounts, number of inquiries and more insight on what's helping and hurting your credit.

  • Yes. If you place a Credit Freeze on your credit file, we can only show your Discover Credit Scorecard from the last time you accessed it before the freeze. If you decide to take the freeze off your file, you'll be able to update your Credit Scorecard again.

Discover provides a FICO® Score to anyone, for free.

You don't have to be our customer and there's no ding to your credit.*

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* Credit Scorecard Information: Credit Scorecard is provided by Discover Bank, and includes a FICO® Credit Score and other credit information. Credit Scorecard information is based on data from Experian and may differ from credit scores and credit information provided by other credit bureaus. This information is provided to you at no cost and with your consent. You must be 18 years old and a U.S. resident or a resident of America Samoa, Guam, Northern Mariana Islands, Puerto Rico or the Virgin Islands. Your Credit Scorecard will be refreshed the later of every 30-days or the next time you log in to Credit Scorecard. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This product may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.