Obtain your FICO score for Free
Content added Aug. 18, 2026
You can obtain your FICO score for free directly from MyFICO.com (this provides your score from Equifax, not a full credit report). Beyond just the score, their website offers fantastic educational resources to help you understand credit better.
A FICO Score is a three-digit number based on the information in your credit reports. It helps lenders determine how likely you are to repay a loan. This, in turn, affects how much you can borrow, how many months you have to repay, and how much it will cost (the interest rate).
When you apply for credit, lenders need a fast and consistent way to decide whether or not to loan you money. In most cases, they'll look at your FICO Scores.
Steps to Build Credit
Content updated Aug. 24, 2026
Several suggestions for building credit and for improving one’s credit score.