A Real FICO Score That’s Really Free!


Discover Credit Scorecard-200You can get an actual FICO credit score for zip, zilch, nada.  There is NO catch!  This is NOT a free trial that charges you $10/month if you forget to cancel.  You do NOT have to have a Discover card.

Register for Discover’s “Credit Scorecard”.  Give them some basic info and answer some things that only you would know – to verify you’re you.  Then Voila!  You have your free FICO score.  You can come back to refresh it every 30 days.

There are other credit scores out there, but FICO is the one that matters.  That’s the one that lenders check when you want to borrow money for a big ticket item.

There are three major credit bureaus: Experian, TransUnion and EquiFax.  The Discover Credit Scorecard is from Experian. Here’s my score:Discover Credit Scorecard FICO Experian - 815-sm

If you happen to have a Discover credit card, you can get a free FICO credit score from TransUnion.  It may be a different score because TransUnion and Experian draw upon different data.  For example, my Discover card FICO score from TransUnion is nine points higher than my Experian score.

Here is another attempt at a “humble brag”:

Discover TransUnion FICO score - 824

Note that last July I had a perfect FICO score of 850.  That’s right… 2 of the 3 bureaus say my credit score is “Exceptional”. Fear me!

I’m making light of my score, but “Exceptional” could easily be YOU.

People ask me how my credit score is because I take advantage of all these great credit card offers.  I’ve opened eight credit cards in the past year and still have an “Exceptional” score of 824 with TransUnion and 815 with Experian.

You should definitely sign up for your free Experian FICO score from Discover’s “Credit Scorecard”.  Your score may not be as bad as you think!

Discover-It-Credit-Card-200If you are interested in getting your free TransUnion FICO by getting the Discover it® Cashback Match card, they have a great offer right now:

Click on “Chip’s Favorite Credit Card Offers” at the top right side of this website.  Then click the “Cash Back” section. It’s the first card you see.  Email me if you have any questions.  Full disclosure: I may get a commission if you apply using my link, so… Thanks!

Here are some of the Discover it card’s benefits:

  • You could turn $200 into $400 with Cashback Match™. They’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more – up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • 0% Balance Transfers for 12 months.
  • No annual fee.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • FICO® Credit Scores for free on statements and online.


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