The FICO Score is calculated and maintained based on data provided by 3 Credit Bureaus: Equifax, TransUnion, and Experian. Several Credit Card Banks will help you monitor your FICO score and provide you with the guidance on how to improve it. myFICO.com wants to charge you $29.95 a month to have access to your 3-bureau credit report and FICO® Scores, but you can get it for free if you use a combination of free FICO score reports provided by your Credit Card bank(s) and government sanctioned credit report site annualcreditreport.com.
A FICO® is a three-digit number that summarizes your credit risk based on your credit file at one of the three major consumer bureaus at a particular point in time. FICO® Scores are used in 90% of lending decisions. FICO® Scores help lenders evaluate credit risk and can influence the credit that’s available and the terms, such as interest rate, that lenders offer.
Bank Of America
Bank of America FICO® Score 8 based on TransUnion data and updated monthly. Your 1 year history is available at your online account under: Tools & Investing/Spending & Cash Flow/View your FICO Score.
It also provides educational information about credit, FICO score and importance of maintaining your good credit standing: Learn about credit scores (online account is required).
American Express FICO Score 8 based on Experian data and updated what looks like quarterly. You can view your current and previous score on your online account. After you log in under Home/Useful Links/View FICO Score.
Barclay Bank FICO Score is based on TransUnion data and updated every second month with one year history available. The score and its history can be found under Services/Your FICO Score.
Barclay provides more information from FICO about FICO® Scores and credit in general on YouTube:
Discover Card holders can see free FICO® Credit Score based on there TransUnion credit report using the FICO® Score 8 along with 12 months history. It is available under Account/Features & Benefits/FICO Credit Score for free.
On May 20, 2016 Discover lunched Credit Scorecard that gives real FICO Score 8 report based on Experian report for everyone for free and you do not need a Discover card.
Citi Bank credit card holders can see FICO® Score based on information from Equifax credit report as of the date it was calculated. Check back each month to stay on top of changes.
Capital One Bank
CreditWise from Capital One, formerly Credit Tracker, lets you see your credit score for free. If you are existing Capital One Bank customer you can login using your Capital One credentials.
The Credit Score is updated weekly. It tells you key factors that impact your credit and has a Credit Simulator that shows how your decisions could affect your score. CreditWise score is based on your credit information from TransUnion, but calculated using the VantageScore 3.0 model. It includes 12 months history starting from the day you established CreditWise account.
Different credit cards offer free FICO scores from the 3 credit bureaus (Equifax, TransUnion, and Experian) for its customers and some provide it for free to everyone.
All banks, along with free FICO Scores, provide explanation of the factors affecting your FICO® Score as well as information about understanding your FICO score and frequently asked questions from FICO.
You can keep tabs on all 3 of your reports with annualcreditreport.com, the only government sanctioned credit report site. If there are mistakes there be sure to dispute them! If there are hard pulls that shouldn’t be there, if there are duplicate hard pulls, or if there are pulls older than 24 months old you should dispute those as well. Unfortunately that site only shows your report, it does not give you a credit score. For more information about free annual credit report see the https://milestopixels.wordpress.com/2015/12/10/free-annual-credit-report/ article.