So you have some credit cards, a mortgage, and an auto loan all in good standing and yet you've never seen your credit report or FICO® score. And why should you?
These days, being an informed consumer is absolutely essential if you want the best rates available the next time you apply for credit. Knowing your FICO® score means you'll see yourself as lenders see you. And since 9 out of 10 lenders rely on FICO scores in their lending decisions, you'll be able to obtain the best rates available to you when the time comes to apply for credit.
Interest rates accurate as of December 18, 2014.
Satisfy your curiosity with FICO® Standard!
FICO Standard, myFICO's lowest-cost option, provides you with a credit report and FICO® score from either Equifax or TransUnion or both and provides the positive and negative factors most impacting your score, the FICO Score Simulator to estimate how certain changes could impact your score in the future, and helps you fix any credit reporting errors you might find. Then, having satisfied your curiosity, you'll be able to intelligently shop for the credit products that best meet your needs.
"I was just curious about my credit reports, and ordered them from myFICO. To my surprise, one showed that the state of California incorrectly had me in collections for unpaid taxes."
With FICO® Standard you get:
Your FICO® score from your choice of Equifax or TransUnion. You'll get a full explanation of your FICO score as well as factors causing your score to be what it is. FICO Standard also provides you with a view of how lenders see your specific FICO score when making lending decisions.
Your credit report from your choice of Equifax or TransUnion. Each credit report contains information on your credit accounts, a listing of those companies accessing your credit file and more. We'll also flag any accounts that are hurting your FICO® score.
The FICO® score simulator which analyzes your personal credit information and can help you understand the impact of any of your future actions such as paying off a credit card or opening a new account.