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: Your subscription will automatically renew monthly at $14.95 unless you cancel.
You may cancel at any time; however partial month refunds are not available.

All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.

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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.

* Your subscription will automatically renew monthly at $14.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Credit card ratings: Editors from CardRatings.com rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of the editors from CardRatings.com, and not influenced by any remuneration their website may receive from card issuers.


myFICO is the consumer division of FICO. Since its introduction over 25 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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