Most consumer credit-monitoring services (Credit Karma, Experian Free, the free score on your card statement) show you a FICO 8 or VantageScore 3 number. Mortgage underwriters do not use those numbers. They pull the FICO Classic suite — Equifax Beacon 5, TransUnion FICO 4, and Experian FICO 2 — which can differ from your consumer-facing score by 30 to 80 points. This tool gives you the TransUnion FICO 4 number for free.
The Free Mortgage FICO Score tool refreshes your TransUnion FICO 4 score monthly through the Array TransUnion integration. FICO 4 is the score model most mortgage underwriters use when they pull TransUnion data through the tri-merge mortgage report. Seeing the FICO 4 number tells you what a lender is most likely to see — not what Credit Karma's VantageScore tells you.
The output is designed to be read by a human, not just by a machine. Each finding includes a plain-English explanation of why the item appears the way it does, which FCRA section or Metro 2 field is at issue, and what a reasonable next step would be — investigate, dispute, or leave in place.
Sign up with your name and basic identity verification (no credit card required for the score itself). The tool runs a soft inquiry through Array's TransUnion data feed, which does not affect your score. Your FICO 4 number appears immediately and refreshes monthly. Use the trend line to investigate whether dispute rounds, balance changes, and account-age increases are actually moving the mortgage-eligible score.
Pair the tool with the Credit1Solutions members portal Dispute Tracker so every action you take is logged in a single timeline. The send-and-log workflow in the DIY Kit will write back to the tracker automatically, which keeps the round-by-round evidence record clean if a matter eventually routes to the attorney network for FCRA / FDCPA review.
Credit1Solutions offers the FICO 4 score free because the gap between consumer scores and mortgage scores is one of the most damaging blind spots in personal finance. Consumers who think they have a 720 FICO 8 sometimes find out at the closing table that their FICO 4 is 670 and that the rate sheet they were quoted no longer applies. We would rather you know the real number months before you apply.
Credit1Solutions has been an attorney-backed credit-education company since 2006. BBB A+ accredited since 2015. Free tools exist to make it easy for consumers to investigate their files without committing to a plan up front. When you decide a paid plan makes sense, we are here — but the decision belongs to you.
The soft pull through Array is invisible to other lenders — it is not the kind of inquiry that appears on the credit reports of third-party creditors. Your identity-verification data is encrypted at rest and is not shared outside the TransUnion / Array data feed required to compute the score.
You can read the full Credit1Solutions privacy policy for the complete data-flow disclosure. We follow the CFPB and FTC guidance on consumer financial data and do not participate in data-broker resale.
Consumers are protected by several federal laws when dealing with credit reporting issues related to free credit tool free-mortgage-fico-score:
You may file complaints with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).
Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026
The credit education company with attorneys who pursue collectors and bureaus when they violate FCRA / FDCPA. Typical client recovery: $3,500+ per successful case. Free TransUnion FICO® 4 mortgage score included — no credit card required.