FICO® Standard

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FICO Standard lets you choose individual
FICO® credit scores and credit reports
from TransUnion and Equifax.

Instant Online Access

Price: $15.95

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Features:

Why You Should Consider Purchasing Both of Your Scores Now

Your FICO® scores often vary from bureau to bureau – this fluctuation could be the difference between a low interest rate and a high one. Differences may be caused by errors in one or more of your credit reports; errors you may be able to correct.

If you're planning a major purchase, like a home or car, it's a good practice to check both of your scores and negotiate the best rate. For example, a 50-point score variance could cost you more than $200/month in mortgage payments.

FICO® Score*

Sample FICO score Your FICO® Score

Get your FICO® scores from your choice of Equifax or TransUnion. Each comes with a full explanation of the credit score and how lenders view you. Also includes an explanation of the positive and negative factors affecting your score.

Credit Report*

Sample credit report Your Credit Report

Get your credit reports from your choice of Equifax or TransUnion. Each credit report is a detailed snapshot of credit cards and loans opened in your name, companies accessing your credit file, delinquent payments and more.

FICO® Score Simulator

Sample FICO score simulator FICO® Score Simulator

This simulator analyzes your personal credit information and answers questions such as, “What happens to my FICO® score if I pay off a credit card or open a new account?”

*About FICO® scores and credit reports
FICO® scores are the credit scores most lenders use to determine your credit risk. You have three FICO® scores, one for each of the three credit bureaus – Experian, TransUnion, and Equifax. Each FICO® score is based on the information that each credit bureau keeps on file about you. As the information in each of your credit reports change, your credit scores tend to change as well. When you purchase your FICO® scores and credit reports, you are getting a snapshot that is accurate at the time of your purchase. However, it’s important to note that as the information in your credit reports changes, your FICO® scores can also change. That’s why we recommend checking your FICO® scores and credit reports regularly - at least once a year.

Details:

FICO® Credit Scores

  • Your choice of FICO® scores and credit reports from Equifax or TransUnion
  • Each FICO® credit score and credit report costs $15.95
  • Includes an explanation of factors affecting your FICO® scores

Credit Reports

Each credit report lists your:

  • Credit accounts, including all credit cards, auto loans, student loans, and mortgages in your name, including:
    • Creditor
    • Balance
    • Date opened
    • Payment history
    • Current status, such as “OK”, “Closed by customer”, “30 days late payment”, etc.
  • Inquiries: recent applications for new credit
  • Collections: when a collection agency is seeking you to repay a debt
  • Public Records: court judgments such as a bankruptcy, foreclosure, or tax lien

FICO® Score Tools

  • The FICO® Score Simulator shows how your FICO® credit score from TransUnion or Equifax can change when you:
    • Pay your bills on time for many months
    • Miss a payment
    • Pay down your debt balances right away or every month
    • “Max out” your credit cards
    • Get a new mortgage
    • Get a new auto loan
    • Get a new credit card
    • Get instant credit at a department store
    • Apply for a new credit card and transfer balances to it
    • Declare bankruptcy

Other

  • Printable version available
  • Accessible from either PC or Macintosh with an Internet connection and with Internet Explorer 5.0 or better, or Netscape 6.2 or better
  • FICO® scores and credit reports are viewable for 30 days from the date of purchase

FICO® Standard

Price: $15.95

Buy Now