FICO scores used to be available to paid customers only, and they are the real scores that are used by your lenders (versus "fake" scores or FAKO offered by many credit monitoring services). In the recent years, banks have started offering FICO for free for their customers. Here we would like to give a summary of which major card issuers are giving them for free and which reporting agencies they are using.
Barclays: all cards offer free TransUnion FICO scores.
Discover: all cards offer free TransUnion FICO scores.
Citi: many Citicards including AAdvantage and ThankYou credit cards offer free Equifax FICO.
Amex: most cards now offer free Experian FICO.
Chase: only Slate cardmembers receive free Experian FICO.
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