Save Money with a Good FICO Credit Score: Credit Education at myFICO

What You Need to Know About Financial Services Reform

The Dodd-Frank Wall Street Reform and Consumer Protection Act is the most extensive overhaul of laws governing our nation's lending institutions since the 1930s.

Learn what it means for you and how myFICO.com can help

New to FICO Scores?

Managing Your Credit?

Making Major Purchases?

Credit Basics More...

What's in your FICO score
Credit score facts & fallacies
Improving your score
Know your rights
Holiday Survey 2010
Understanding credit reports and scores 2.92MB
This booklet helps you understand credit reports and the factors considered in FICO scoring.

Credit Q&A More...

Tighter Lending Practices
Dear myFICO, 6 months ago I went to a local car dealer to buy a new car. I qualified for a good loan through the dealer but decided to wait...
How do FICO scores consider student loan shopping?
How do I get my free credit report and score from each bureau?

FICO Forums More...

How many credit cards is considered optimal?
Just wondering if the number of CC accounts matters to the FICO formula...
Credit Scoring 101
A list of useful credit topics from the basics and beyond.
Doesn't paying off collections help my score?
All my negatives are in collections and I have offered PFD on them. If they get deleted wont that raise my score?

Credit CardsMore...

Calculators More...

Credit Cards:
What will it take to payoff your card?
How much can you save by lowering your interest rate?
What is the true cost of your debt?
Mortgages:
How much can I borrow?
How much will my loan payments be?
Which lender has the better loan?

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myFICO^® is the consumer division of FICO. Since its introduction 20 years ago, the FICO^® Score has become the 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.

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FICO, FICO Score, and myFICO are registered trademark of Fair Isaac Corporation. Equifax credit report is a trademark of Equifax, Inc. and its affiliated companies. Score Watch is a registered trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.