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Free access to your FICO® Credit Score

Wells Fargo credit rating example

See Your Credit in a Whole New Way

Available to eligible Wells Fargo consumer credit customers 

All images are for illustration only.

Available for eligible consumer credit customers

Free access to your FICO® Score with Wells Fargo Online® — plus tools, personalized Wells Fargo tips, and a whole lot more — so you can find out where you stand when it comes to your credit. Watch the video about FICO Score access

Features include:

Mobile phone displaying FICO Score example

Your FICO® Score and Wells Fargo credit rating

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Your score factors and personalized Wells Fargo credit tips

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Your FICO® Score history


Plus: Additional credit education, answers to frequently asked questions, and more.

How will I know if my FICO® score is available?

If your credit product is eligible, the link to View Your FICO® Credit Score will automatically display on your Account Summary screen. Just tap to opt in and view your FICO® Score. Remember, accessing your score is free and will not impact your credit score.

Note: You can also access your FICO Score in Spanish with your smartphone.
  • Direct your mobile browser to or download the Wells Fargo Mobile® app
  • Sign on to your account, go to mobile settings and select your language preference.

Why can I see my FICO® Score, but others on my account can’t see theirs?

You can see your FICO® Score because you are the primary account holder on an eligible credit account or you are a primary or secondary account holder on an eligible Home Lending account.

Others may not be able to view their scores if:
  • They are not the primary account holder on an eligible credit account
  • They are not a primary or secondary account holder on an eligible Home Lending account
  • They recently opened a new account (scores may take up to 60 days to report for new account holders)
  • They’re an authorized user on someone else’s account
  • They have a billing statement in someone else’s name
  • They don’t have an account eligible for this service

Why is Wells Fargo providing me with my FICO® Score? Where is Wells Fargo getting this score?

Wells Fargo is providing you with free access to your FICO® Score to help you know where you stand with your credit and plan for the future. As part of the account agreement, Wells Fargo receives your FICO® Score from the credit bureau and uses that information to manage your account on an ongoing basis. We will continue to show you your FICO® Score as long as your eligible account stays in active status or until you choose to stop displaying your score.

What are FICO® Scores? Do I have multiple credit scores?

FICO® Scores are the most widely used credit scores and are used in over 90% of U.S. lending decisions. Your FICO® Scores are based on the data on your credit reports at the three major credit bureaus—Experian®, TransUnion® and Equifax®. Each of your FICO® Scores (you have more than one) is a three-digit number summarizing your credit risk—that is, how likely you are to pay back your credit obligations as agreed. Different lenders use different versions of FICO® Scores to help them quickly, consistently and objectively evaluate potential borrowers’ credit risk, which makes the lending process faster and fairer for people like you. It’s likely that your different FICO® Score versions won’t all be the same. But since all FICO® Scores share a similar foundation, more often than not your FICO® Scores will be relatively close.

Why is this FICO® Score different than other scores I’ve seen?

There are many different credit scores available to consumers and lenders. FICO® Scores are the credit scores used by most lenders, but different lenders (such as auto lenders and credit card lenders) may use different versions of FICO® Scores. In addition, your FICO® Score is based on credit file data from a particular credit bureau, so differences in your credit files may create differences in your FICO® Scores. The FICO® Scores that are being made available to you through this program are the specific scores that we use to manage your account. When reviewing a score, take note of the date, bureau credit file source, version, and range for that particular score.

When will my FICO® Score update?

FICO® Scores in this program will update either monthly or quarterly. We inform you whether your score updates monthly or quarterly in the area below your credit score.  Your update months will depend on your specific credit products.

  • If your score is updated monthly, you can expect your new score to arrive on or around the 10th business day of each month.
  • If your score is updated quarterly or 4 times per year, you can expect your new score to arrive on or around the 17th business day of your update months.

Please note that scores reflect data from your credit file at the time it was calculated and may be from a previous period.

Why do FICO® Scores fluctuate / change?

If your score has increased/decreased from the previous period, there are are few reasons why this may have happened.

  1. As the information in the credit file at the bureau changes, your FICO® Score can also change.  FICO® Scores are calculated each time they are requested, taking into consideration the information that is in your credit file from a particular credit bureau on that date.  Certain events such as late payments or bankruptcy can lower your FICO® Score quickly, whereas paying your bills on time can improve your credit score over time. 
  2. Lenders may begin to use a different FICO® Score version. FICO is continually improving its formula to make sure it remains a robust predictor of credit risk.  As such, a lender may decide to switch to the new FICO® Score version.
  3. A lender may decide to use a different bureau to retrieve your credit file (e.g. Experian®, TransUnion® and Equifax®) and your score may reflect differences in the data at those bureaus.


– If you are comparing  FICO® Scores, it's likely that your FICO® Score versions won't all be the same.  But since all FICO® Scores share a similar foundation, more often than not your FICO® Scores will be relatively close.

– Review your key score factors which explain what from your credit report most affected your score. Comparing key score factors from the two different time periods can help identify causes for changes in FICO® Scores.

Will accessing my FICO® Score from Wells Fargo negatively impact my score?

No. You can check your score here as often as you want, without negatively impacting your score.

I don't agree with my FICO® Score or Score Factors, what should I do?

Your FICO® Score and Score Factors affecting your credit score were provided to Wells Fargo based on information within your credit report on the calculation date ("as of" date). If you feel this information is inaccurate, your next step should be to request a free credit report from

If there's incorrect information within any of your credit reports, follow each bureau's instructions on how to dispute that information. If there's incorrect information about your Wells Fargo accounts, please call the Wells Fargo phone number that appears in your credit report.

Is the FICO® Score I'm seeing the same score Wells Fargo uses when I apply for a new account?

No. The score you are seeing is the score used to service your current accounts and is provided to you for educational purposes. When you apply for a new account at Wells Fargo, a unique scoring model is used which considers more than credit scores to evaluate your application.

Why did the credit bureau or score version for my FICO® Score change?

Changes may occur over time if you open or close certain eligible Wells Fargo accounts. In addition, FICO® periodically updates its scoring models, and Wells Fargo may choose to upgrade to a more updated score version. If this happens, we'll notify you at the time a score version change occurs.

What is a credit bureau?

A credit bureau, also known as a consumer reporting agency, collects and stores individual credit information and sells it for a fee to creditors so they can make decisions on granting loans and other credit activities. Typical clients include banks, mortgage lenders, and credit card issuers. The three largest credit bureaus in the U.S. are Equifax, Experian, and TransUnion.

Is there credit education or assistance available to me?

In addition to the customized credit insights you receive with your FICO® Score, you can also access the Smarter CreditTM Center, Borrowing and Credit, and many other resources on

If you don't see the answers to your questions:

Get started. Eligible Wells Fargo consumer credit customers – Sign on to your account and select View Your FICO® Credit Score from your account summary.

Remember: Accessing your FICO® Score is free and will not impact your credit score.

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