From MarketWtach.com: FICO makes credits scores free — for almost no one - MarketWatch
"Yet somehow, access to a free FICO score remains limited. So far, just two lenders are willing to provide the free scores: credit-card issuers Barclaycard and First National Bank of Omaha. Collectively, they account for less than 2% of purchase volume in the credit card market."
"The score consumers see will be the specific FICO score (there are many variations of this score) that a lender looks at when it is maintaining their account and making decisions that could impact the terms on their existing loan. That’s a more useful score than the FICO score consumers pay to get, which shows them an overall figure for where they stand."
So, in short, if one does not have Barclaycard or FNBO card, one runs out of luck. The actual FICO (from Transunion; TU08) is a bit confusing as well, when compared to other scores (e.g., Credit Karma). It tends to be a bit higher than other scores.
But hey, free is free. I got mine from NFL Extra Points Card.