I just found out that earlier this month, Barclaycard announced that it will offer some of its card members complimentary FICO scores. This applies to several cards including: the Barclaycard Ring, Barclaycard Arrival, Barclaycard Rewards, NFL, Juniper, Frontier and Carnival cards. You can check your free FICO score from Barclaycard here.
One way to get a free FICO credit score (Equifax) is to go to myFICO and sign up for a free 10 day trial. Be careful because if you don't cancel within 10 days, you will automatically be subscribed to their service for $14.95 per month for a minimum of 3 months! And if you obtain your FICO score through myFICO and try to cancel, be prepared to have a difficult time trying to your account cancelled when you call in. The reps will do anything possible to get you to keep the service. You can request similar free trial FICO scores through Experian and Transunion.
When it comes to checking on my credit score, I still prefer using the following methods of obtaining my simulated credit score for free: credit karma, credit sesame, quizzle, and credit.com
When you apply for credit (whether with a new credit card, auto loan, mortgage, or personal loan), the company you are seeking credit from checks your credit report and credit score. The credit report chosen is one generated by Equifax, Experian, or TransUnion. Many companies use their own propriety method of calculating your credit score, however, it is estimated that the score used 90% of the time is your FICO score. The FICO score is the global standard for measuring credit risk. To learn more about your credit score, read this pdf on consumer credit education produced by FICO.
Since I already have a Barclayscard (NFL card I sign up for the $400 bonus), I decided to check my own FICO score:
808. Nice! This just goes to show that applying for credit cards and responsibly using your credit to travel for free will not lower your credit score.
Of the Barclayscards that allow you to view your FICO score, there is currently only one card that I would recommend: The Barclaycard Arrival Plus(TM) World EliteMastercard®.