How does the FICO Score matter?

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 and see for yourself

Check Now

Check your FICO Score with Score Watch®

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$4.95 FIRST
MONTH*

* Try out Score Watch with a 10-day free trial. Unless you cancel during the trial period, your subscription will continue at $14.95/month with a minimum subscription term of three months. * Only $4.95 for the first month, then $14.95 per month.

Products at a glance

 
 
 
 
 
FICO® Score
 
 
 
 
Powered by Experian credit data
Experian
 
 
Experian credit report

Experian is a consumer reporting agency in the United States. Each FICO Score is generated based on data collected from one of the credit reporting agencies.

Powered by TransUnion credit data
TransUnion
 
TransUnion credit report

TransUnion is a consumer reporting agency in the United States. Each FICO Score is generated based on data collected from one of the credit reporting agencies.

Powered by Equifax credit data
Equifax
 
Equifax credit report

Equifax is a consumer reporting agency in the United States. Each FICO Score is generated based on data collected from one of the credit reporting agencies.

 
 
 
 
 
Financial health checkup tools
 
 
 
 
Factors affecting your score
Factors affecting your score

Get your FICO Score Summary of factors that are affecting your score. The summary allows you to understand the impact of these factors.

Side-by-side bureau comparison
Side-by-side bureau comparison

Compare your 3 FICO Scores and credit reports side-by-side for differences that may impact 1 or more of your FICO Scores and the interest rates you qualify for.

 
 
 
 
 
Achieve financial goals
 
 
 
 
Track changes in credit health
 
 
 
Track changes in credit health

You will see your FICO Score every time a change is detected in your credit report allowing you to continuously track your FICO Score to ensure you are on target to reach your financial goal.

Tools to reach financial goal
 
 
 
Tools to reach financial goal

Member only access to information exclusively generated for you based on your FICO Score and credit report data. Set your target score and get alerted when your FICO Score changes enough to impact your potential interest rate on a home mortgage, auto loan or home equity loan.

Credit change alerts
 
 
 
Credit change alerts

Receive immediate alerts via email or mobile text message when important changes to your FICO Score or credit report are detected.

What-if score simulator
 
 
 
What-if score simulator

The score simulator will "simulate" how financial transactions could affect your FICO Score over time.

(Not available for FICO Standard - Experian)

 
 
 
 
 
Protect financial health
 
 
 
 
Monitor credit for threats
 
 
 
Monitor credit for threats

Access tracking monitors that will help you keep a close eye on your credit, so you can act fast at the first signs of ID theft. In addition, you will receive an email alert if any changes to your credit information are detected which could be an early indicator of identity theft.

Scan web for identity theft
 
 
 
Scan web for identity theft

Up to 400 data sources for new information tied to your identity are monitored weekly. If any changes or activities are detected, you will receive an email alert.

Identity theft Insurance
 
 
 
Identity theft Insurance

Get identity theft insurance coverage up to $25,000 which includes resolution assistance in the event you become a victim of identity theft. Coverage is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc.*

Recover from identity theft
 
 
 
Recover from identity theft

Toll-free helpline with knowledgable customer care representatives to help you with questions or resolve ID theft. In addition, you will have access to tools such as a checklist to help you review your credit report for signs of ID theft and dispute letters for lenders.

 
 
 
 
 
Why FICO?
"If you are using a paid credit score service, other than myFICO, to look at your score, it's usually not going to be worth your money. Although you are getting a credit score, it isn't your FICO Score, and it may not provide you with an accurate picture of how lenders see you."
— MSN Money

The only source for all 3 of your FICO Scores!

  • Experian
  • TransUnion
  • Equifax
$19.95/each
FICO Scores
and credit Reports
from all 3 bureaus
viewed side-by-side
Save $5**
Save $10**
 
$54.85
$49.85
$59.85
Free 10-Day Trial* $4.95 FIRST
MONTH*
$4.95 for
FIRST MONTH
$9.95/month

* Try out Score Watch with a 10-day free trial. Unless you cancel during the trial period, your subscription will continue at $14.95/month with a minimum subscription term of three months.
* Only $4.95 for the first month, then $14.95 per month. ** Save $5 with FICO® Score 3-Report View when compared to 3 single FICO® Score & Reports (at the standard rate of $19.95 each). ** Save $10 with FICO® Score 3-Report View when compared to 3 single FICO® Score & Reports (at the standard rate of $19.95 each). * Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Save Money with FICO

See for yourself how a good FICO® Score can save you money:

Credit Myths


Interest rates accurate as of July 30, 2014.

Myth: All scores are the same.

Fact: Not all credit scores are created equal! The FICO® Score is what 90% of all lenders use when determining loans and interest rates. Although many new score calculations have come out, the FICO Score remains the most established and well-respected among lenders.

Myth: All I need is a free credit report.

Fact: A credit report is not the same as your FICO Score, which is what lenders will consider. You cannot get your FICO Score in a free credit report. 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.

Myth: I don't need my FICO Score until I need a loan.

Fact: A FICO Score cannot be improved overnight. If you're planning a big purchase down the road, the sooner you start actively monitoring your FICO Score, the better. Proactively managing your credit and watching for negative factors will ensure a smooth road towards your financial goals and big purchases.




myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has 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 the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
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