90% of top lenders use FICO® Scores when making lending decisions.

It’s the industry standard

90% of top lenders use FICO Scores when making lending decisions

It’s your true credit picture

FICO Scores are used to determine how much money you can borrow, and how much interest you’ll pay.

It can save you thousands of dollars

Strong FICO Scores can give you access to the best interest rates, loans, rebates, and premium credit cards.

Check your FICO Score with Score Watch®

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*IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score
than the versions you receive from myFICO, or another type of credit score altogether. Learn more.

Get your FICO® Score with Score Watch

Looking for your FICO® Score? FICO® Scores are used in
90% of lending decisions!

Why FICO Scores?

FICO Scores were the original credit scores, and they’ve been used for over 25 years.

FICO® Scores are the ones most lenders look to when deciding your credit worthiness and interest rates.

90% of top lenders use FICO Scores when making lending decisions.

Your credit report is an in-depth look at your credit history from one of the three credit bureaus.

Checking a FICO® Score yourself will never hurt your score.

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Most common credit myths

All credit scores are the same.

Not all credit scores are created equal. FICO® Scores have been used for over 25 years, and they are used in more than 90% of lending decisions.


All I need is a credit report.

A credit report is not the same as a FICO® Score. Lenders typically access your credit report and credit score when evaluating a request for credit. Just seeing your credit reports without your FICO® Scores doesn't provide you with a complete view of how lenders typically see you.

* A 3-month minimum is required. You may cancel any time after the first 3 months. Your subscription auto-renews monthly at $14.95 unless you cancel.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, FICO® Scores have become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use FICO Scores to make consumer credit decisions.

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FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
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