Your FICO Auto Score is not available for free, but you can access it directly from fico.com through one of the company’s subscription plans, which cost $19.95 to $39.95 per month. Paying for your FICO Auto Score may not be worth it, though, as lenders often use their own customized credit-scoring models. Besides, checking your normal credit score for free can give you a pretty good sense of how good or bad your auto score is likely to be.
Key Things to Know About Your FICO Auto Score
- FICO Auto Scores help lenders predict the probability that you will make on-time auto loan payments.
- FICO Auto Scores range from 250 to 900 points.
- Your FICO Auto Score is a modified version of your "base" FICO Score. FICO Score 8 and 9 are considered base scores and they range from 300 to 850 points.
Your normal FICO Score based on Equifax data is available for free on fico.com. You can also access your FICO Score for free through banks, credit unions, credit counselors and Experian. Although these are not the same as your FICO Auto Score, they can provide you with a sense of your creditworthiness before you apply for an auto loan.
In addition, you can get your free TransUnion VantageScore and personalized credit-improvement tips here at WalletHub.
This answer was first published on 06/22/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
