The first thing that needs to be done in regards to that question is to let you know that in reality there is no such thing as a FICO credit report. Somewhere along the line, you’ve been led into believing that something like this exists. It doesn’t. But don’t feel bad. With so much misinformation that circulates throughout the Internet in regards to your credit, it seems like everybody and their third cousin wants to offer you an opportunity to get a free credit report or credit score. So naturally you must have heard FICO credit report along the way and went in search of it.

The first thing you need to know is that FICO has nothing to do with your credit report.

Let’s take a quick look at exactly what FICO really is. This company was founded in 1956 by two pioneers, Bill Fair who was a engineer and Earl Isaac who was a mathematician. The company was named The Fair Isaac Company (FICO) and was headquartered in San Rafael, California. The product that they were developing was a complex credit scoring system to sell to banks and institutions to help them determine just how much of a credit risk an individual was. It took them 2 years to develop it and make their first actual sale. The rest as they say, is history.

FICO now operates on a global scale serving a majority of the largest banks and credit card companies. So when you hear of FICO, you need to think credit score and not FICO credit report.

Ok, enough of a history lesson on FICO.

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Maybe we should take a look at why you typed in FICO Credit report in the first place. Looking to get your credit report? Was that why? If that’s the case, then you need to know that you can get your credit reports from all three of the credit reporting agencies for free. That’s right. Free. And so you don’t have to search through a mountain of websites to get it, all you need to do is just go to Annualcreditreport.com and follow the simple directions that are provided.

No more typing in FICO credit report or anything else for that matter. Now that you have the correct information, all you need to do is enter it into your favorite browser and be on your way.

While you are getting your free credit reports, especially if it is your first time doing such, you may want to make sure you get all three. This way you can cross compare the information and check for any mistakes that might have been made. Now this is not to say that you will have any mistakes whatsoever but you have to remember the human element that is involved in reporting your information. So take your time and go over everything thoroughly.

If you do find things that aren’t quite right, again, follow the instruction laid out on the site you went to for your free credit reports. So no more typing FICO credit report into the search bar ok?

Click on the button below and get your credit check report with free scores and start monitoring your credit!

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