Free Access (for Everyone!) to Your Experian FICO Score With Discover Credit Scorecard!

Free Access (for Everyone!) to Your Experian FICO Score With Discover Credit Scorecard!

Million Mile SecretsFree Access (for Everyone!) to Your Experian FICO Score With Discover Credit Scorecard!Million Mile Secrets Team

Disclosure: We get a commission for links on the blog. You don’t have to use our links, but we’re very grateful when you do. American Express, Capital One, Chase, and US Bank are Million Mile Secrets advertising partners. Opinions expressed here are the author's alone, and have not been reviewed, approved or endorsed by our partners.

Want to check your credit score for free?  Good news!

Via Doctor of Credit, Discover just launched Credit Scorecard, giving anyone (not just Discover cardmembers!) FREE access to their Experian FICO score.

Free Access For Everyone To Your Experian FICO Score With Discover Credit Scorecard
Discover’s New Service Gives Anyone Free Access to Their Experian FICO Score

Knowing your credit score is important in the hobby of points & miles.  I’ll tell you more about Discover’s new service!

Check Your Experian FICO Score for Free With Discover’s New Website

Link:   Discover Credit Scorecard

Discover launched their “Credit Scorecard” which gives anyone free access to their Experian FICO score!

You do NOT have to be a Discover cardmember to use the service.  You just have to sign-up online.

Free Access For Everyone To Your Experian FICO Score With Discover Credit Scorecard
Use Discover’s Credit Scorecard to Access Your Experian FICO Score. It’s Free and Won’t Ding Your Credit!

They’ll ask for things like your name, email, address, and social security number.  And then verify your identity with a few questions.  It’s a straightforward process!

Along with the free score, you’ll be able to see a breakdown of how your score is calculated and what factors are affecting your score.

Is This Different From Other Sites Offering Free Credit Scores?

Discover is offering folks free FICO scores from Experian, but there are 2 more credit reporting agencies, TransUnion and Equifax.

Different banks pull scores from different bureaus when you apply for new cards, so it’s something to watch for when you sign-up.

There are other credit monitoring sites too, like CreditKarma and Credit Sesame.

Both sites allow you to view your credit data and score.  But they provide only an estimate of your score, often referred to as a FAKO score.

Free Access For Everyone To Your Experian FICO Score With Discover Credit Scorecard
Keep In Mind, Credit Scores on Credit Karma Are Just Estimates and Your True Credit Score Is Likely to Vary a Bit

FAKO scores are based on information from your credit report, but they use different scoring criteria than FICO.  Because they aren’t regulated like FICO scores are.

Lenders use FICO scores when making credit and lending decisions.

CreditKarma estimates your scores with data from Equifax and TransUnion, and Credit Sesame uses information from Experian.

Other Ways to Get Your Free FICO Score will give you a free credit report from each credit bureau once every 12 months.  But it won’t include your actual FICO score.

But there are a number of credit cards offering folks access to free FICO scores from different bureaus.

For example, anyone with a personal card from American Express, like the AMEX Starwood card or Premier Rewards Gold Card from American Express, gets access to their score from Experian.

The Discover It and Discover it Miles card both come with your TransUnion FICO score.

And the Chase Slate card will show you your Experian score.

Free Access For Everyone To Your Experian FICO Score With Discover Credit Scorecard

And Citibank cards like the Citi Prestige, Citi ThankYou Premier, and Citi ThankYou Preferred allow cardholders to view their free FICO score from Equifax.

Why Your Credit Score Matters

Want to know how your credit score is calculated and why it matters when you’re applying for credit cards?

Read about why you should apply for cards from different banks.  And the factors that affect your credit score.

You can also check out my post on how to boost your credit score!

Bottom Line

Discover’s new “Credit Scorecard” is a great resource that anyone can use to view their free FICO score from Experian.  You don’t even have to be a Discover cardmember!

Credit scores are important in the points & miles hobby, because having a higher score improves your likelihood of getting approved for credit.  So you can earn more sign-up bonuses!

Just remember, different credit cards offer free FICO scores from the 3 credit bureaus (Equifax, TransUnion, and Experian).  And credit monitoring sites like CreditKarma and Credit Sesame use FAKO (not FICO!) scores.

Do you use any of these sites or cards to monitor your credit?

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Disclaimer: Neither the editorial content nor the comments on this site are provided by the companies whose products are featured. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser.

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry, you must be logged in to post a comment.


by Newest
by Best by Newest by Oldest

I’m afraid that my personal data is being misused in some way.

I DID get a FICO score, but only one time. Thereafter Discover blocked me out by putting me through an endless loop where they ask me to fill out the application because they don’t recognize my email, and then bounce me over to a page that claims my email is already “in use”.

I asked for another password and that doesn’t work either. I get no feedback from them.

I cannot get them to communicate with me. (My score is mid-700s). I’m not sure it’s entirely legit. Nothing’s “Free”!

I just signed up for this. My credit score is high enough to qualify for even the toughest of credit cards, and its nice of Discover to offer this, but for the life of me, I'll never figure out how these clowns at FICO can have such an effect on people's lives with absolutely no oversight. Their algorithm for computing scores is proprietary and they don't have to reveal the specifics of it, other than what percentage each category counts for. I have a high 700 credit score but can't crack into the 800s because it says my credit utilization is "very good" and not "exceptional" like the other categories. I have a six figure credit limit and a utilization percentage of 1%. Seriously, how much better can my utilization get?

Just signed up for this, and literally while I was doing it Credit com emailed me that my CR had changed. Which is a weird coincidence in itself.

Both Discover and Credit com claim to be giving me my current EXP Fico. But my score with Discover is 22 points lower than the score that Credit com is reporting. And Discover reports one less HP in 12 months than Credit com. 😮