FICO® Standard
Discover your FICO score, the factors affecting it and access your current credit report.
Includes:
- One FICO score from Equifax or TransUnion
- One credit report from Equifax or TransUnion
- Explanation on the positive and negative factors affecting your score
Instant online access
Price: $15.95
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About FICO Scores & Credit Reports
FICO scores are the credit scores most lenders use to determine your credit risk. You have multiple FICO scores, one from each credit bureau. Each FICO score is based on the information that each credit bureau keeps on file about you. 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 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.
"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."
– Edward, Moab, UT
FICO® Standard At-A-Glance
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
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
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?"
FICO® Standard Details
FICO Credit Score
- Your choice of FICO scores and credit reports from Equifax or TransUnion
- Includes an explanation of factors affecting your FICO score
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 monthly
- "Max out" your credit cards
- Get a new mortgage, auto loan, credit card
- Get instant credit at a department store
- Transfer balances to a new credit card
- Declare bankruptcy
Credit Report
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
Other
- Printable version available
- This snapshot of your FICO score and credit report is viewable for 30 days from the date of purchase
FICO® Standard
Price: $15.95
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