Where to get Your Real Free FICO Credit Score — consumers can get their first truly free credit score if they’re credit-card holders at First National Bank of Omaha or Barclaycard, two of the 10 largest issuers of credit cards in the U.S.

Free Access to Credit Scores Act — Consumers already have the ability to request their free credit report once a year, but a credit report does not include your credit score. These two items are often confused to be the same, which they are not. You generally must pay to see your credit score — it’s a three-digit grade that predicts how risky you are to a lender.