FICO Scores are used in over 90% of U.S. lending decisions. There are lots of "credit scores" offered to consumers, so it's important to understand which score you're getting and how much it is used, or not used, by lenders — and it's more important than ever to make sure you know your FICO Scores.

Authorized FICO Score Retailers

Obtain your FICO Scores directly from an authorized FICO Score retailer to ensure you're getting your FICO Scores — and not any other type of credit score. If they aren't listed, they aren't delivering FICO Scores.


FICO Scores are only provided on Equifax products that specifically state a FICO Score is included, including the Credit ScoreWatch product and the Score Power product. Other Equifax products may contain credit scores that are not FICO Scores

FICO Score Open Access Program

FICO Score Open Access is a program that helps educate consumers on FICO Scores and increases consumer access to FICO Scores. FICO works with over 200 financial institutions to give their customers absolutely free access to the FICO Scores they use to manage credit accounts. If your bank, credit card issuer, auto lender or mortgage servicer participates in FICO Score Open Access, you can see your FICO Scores, along with the top factors affecting your scores, for free. Below is a list of some lenders participating in FICO Score Open Access. Look to see if your lender is listed.

If you are a service provider partner and want to share FICO Scores with your customers, contact us.

If you are a lender and want to share FICO Scores with your customers, contact us.

FICO Score Open Access for Credit and Financial Counseling Program

FICO Score Open Access for Credit and Financial Counseling enables credit and financial counseling providers to share FICO Scores with their customers. The program was designed specifically for credit and financial counselors to increase consumer understanding of FICO Scores and their importance in everyday financial decisions. Over 100 counseling organizations are participating, and more than 250,000 credit scores have been shared with consumers through this program.

If you want to learn more about the program, please click here.

1. Mercator Advisory Group, Analysis, 2018