Answer: -I wouldnt apply for a loan to find out your FICO score. Or pay a company what you can get for free. Congress allows you to get a free copy of your credit report once a year. Or if you have been denied credit. If you get it directly from the credit agencies you dont have to worry about it affecting you score, as you are not applying for credit.These are their numbers. Get all of them because they will all be different, its the middle score you are interested in. -Your bank can check it but are likely to run only one source, either Experian, Trans Union or Experian. This is not a true view of your credit picture, as one report may contrain info reported that another doesn't.For the score the charge is usually around $6. If you apply for a credit card or loan, your report will take a hit. If you look at it yourself, there is no hit for the inquiry.