More than a free credit score — it’s the score that matters

It’s the industry standard

The FICO^® Score is the standard credit score in the US, used in more than 90% of lending decisions.

It’s your true credit picture

The FICO Score is used to determine how much money you can borrow, and how much interest you’ll pay.

It can save you thousands of dollars

A strong FICO Score can give you access to the best interest rates, loans, rebates, and premium credit cards.

Check your FICO Score for FREE* and see for yourself

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Get your free credit score with Score Watch

Looking for your free credit score? You want the score that matters.
The FICO^® Score is used in more than 90% of lending decisions!

Why the FICO Score?

It's the original credit score; FICO has been the leader in credit scoring since 1958.

Your FICO Score is the one most lenders look to when deciding your credit worthiness and interest rates.

A free score may not be your FICO Score. Make sure the score you’re looking at is your FICO Score.

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

Checking your FICO Score yourself will never hurt your score.

Free Credit Score Check Try it free today

Most common credit mistakes

All credit scores are the same.

Not all credit scores are created equal, especially free credit scores. Although many new score calculations have come out, the FICO^® Score remains the most established and well-respected among lenders. myFICO provides a free FICO Score, which gives you the most accurate picture of how lenders view you.

All I need is a free credit report.

A credit report is not the same as your FICO Score, which is what lenders will consider. Although each credit bureau is required by law to give consumers a free credit report every year, it does not contain your official FICO Score.

* Start a free 10-day trial of Score Watch^® and instantly get your FICO Score and credit report. You may cancel at any time during the trial period; if you wish to continue, pay $14.95/month (3 months minimum).