Free FICO Credit Score From Barclaycard

by Michael on Nov 7, 2013

Barclaycard Arrival World MasterCard

Hmmm… This is pretty cool… One of my favorite reward credit cards just got a little better.

I’m talking here about the Barclaycard Arrival World MasterCard, which is now offering free access to your credit score. Yes, that’s right. Free for all cardholders.

And yes, we’re talking about your real, TransUnion-based FICO credit score, not a “FAKO” score like many others are offering. Not only that, but they’ll monitor your score on an ongoing basis and send you an e-mail if/when it changes.

This is, of course, on top of the 40k point signup bonus (worth up to $444), free access to TripIt Pro, no foreign transaction fees (nice if you travel overseas), and ongoing 2.2% cash back rewards.

While there’s an $89 annual fee for the card, it’s waived for the first year. And even once the fee kicks in, this card is well worth it (imho) — especially when you consider that the signup bonus covers the fee for nearly five more years.

Accessing your credit score

To access your FICO credit score, start by logging in to your account. From there, click the “Tools and education” link.

Next, click on the “Learn More” link in the “Your FICO Score” section.

You’ll then be given a brief overview of the program features, and asked to agree to the terms and conditions. Do that and you’ll be granted access to you credit score. As you can see, mine is 779.

That’s actually down a bit from where it used to be. The primary reasons for this were listed as:

  1. Lack of recent installment loan information, and
  2. Too many accounts with balances.

So yeah, the fact that we’ve paid off our mortgage and that we own our cars outright is reducing our credit score. Funny, huh?

That, and the number of credit cards that we tend to juggle. While we never (ever) carry a balance, we do typically have intramonth balances on multiple cards.

I would also imagine that my recent round of bonus chasing (I applied for a handful of new cards of the summer) is negatively impacting things.

Anyway, if you don’t have an Arrival card and are interested in applying for one, you can get started by clicking this link or the button below.

Apply Now Button


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