Your FICO Score, from FICO

90% of top lenders use FICO Scores—do you know yours?
Choose your plan.

Free

1-bureau (Equifax) coverage
Updates available every month
FICO Scores
Scores for mortgages, auto loans & more
Credit reports
Score and credit monitoring^{Important information 22}
$1 million identity theft insurance
24x7 identity restoration
Not included: Identity monitoring

Free^{Important information 11}

No credit card required

See how it works

Automatically renews at $0/month. Cancel anytime, no refunds. Includes FICO Score 8. Your lender/insurer may use a different credit score. See important information below^{Important information 11}.

Basic

1-bureau (Experian) coverage
Updates available every month
FICO Scores
Scores for mortgages, auto loans & more
Credit reports
Score and credit monitoring^{Important information 22}
$1 million identity theft insurance^{Important information 33}
24x7 identity restoration
Not included: Identity monitoring

^{Important information 11}

See how it works

Automatically renews at $19.95/month. Cancel anytime, no refunds. Includes FICO Score 8. Your lender/insurer may use a different credit score. See important information below^{Important information 11}.

Advanced

Complete 3-bureau coverage
Updates available every 3 months
FICO Scores
Scores for mortgages, auto loans & more
Credit reports
Score and credit monitoring^{Important information 22}
$1 million identity theft insurance^{Important information 33}
24x7 identity restoration
Identity monitoring

^{Important information 11}

See how it works

Automatically renews at $29.95/month. Cancel anytime, no refunds. Includes FICO Score 8. Your lender/insurer may use a different credit score. See important information below^{Important information 11}.

Premier

Complete 3-bureau coverage
Updates available every month
FICO Scores
Scores for mortgages, auto loans & more
Credit reports
Score and credit monitoring^{Important information 22}
$1 million identity theft insurance^{Important information 33}
24x7 identity restoration
Identity monitoring

^{Important information 11}

See how it works

Automatically renews at $39.95/month. Cancel anytime, no refunds. Includes FICO Score 8. Your lender/insurer may use a different credit score. See important information below^{Important information 11}.

IMPORTANT INFORMATION

Your subscription automatically renews monthly at $0 for Free Plan, $19.95 for Basic, $29.95 for Advanced, or $39.95 for Premier, unless you cancel. You may cancel at any time; however, refunds are not available. All subscriptions include a FICO Score 8, and may include additional FICO Score versions. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

Not all credit report data or transactions are monitored. Monitored credit report data, monitored credit report data change alerts, FICO Score updates, FICO Score alerts, monitored transactions, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more

The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.

Who we are

myFICO is the official consumer division of FICO, the company that invented the FICO credit score. FICO Scores are the most widely used credit scores, and have been an industry standard for more than 25 years.

Illustration of a person looking at their Fico Scores from TransUnion, Experian and Equifax on tablet computer

Your all-in-one solution

Compare your FICO Scores and credit reports from all 3 bureaus—Experian, TransUnion, and Equifax—side-by-side. Understanding your credit has never been easier!

Illustration of a couple looking at a house with a for sale sign in the front yard

Prepare for your credit goals

Get the right score for your credit goal, including your FICO Scores used for mortgages, auto loans, and credit cards.

Illustration of a woman smiling as she hears 'you are approved!' from a men looking at three different FICO Scores displayed at his desktop computer

Get the score lenders use

Get your FICO Score—90% of top lenders use FICO Scores. Although they may look the same, other credit scores can vary as much as 100 points from your FICO Score.

We've got you covered

Will not hurt your score

Checking your credit with FICO will not affect your FICO Scores.

US-based support

We are here with toll-free support if you need us.

Bank-level security

We use 128-bit encryption to protect the transmission of your data to FICO.

See how it works

See How It Works

Learn why FICO

Learn Why FICO

What you'll get with FICO Free

Illustration of an example FICO Score (733 - a very good rating) diverging into 3 categories - mortgage, auto and credit card.

Your FICO Score for Free

You'll get a FICO Score 8 based on your Equifax credit data. Take the mystery out of your score with a detailed analysis.

Illustration of a credit report based on Equifax data.

Equifax Credit Reports

Instantly access your credit report from Equifax so you can check for errors that may be holding you back. Plus, get a fresh report every month to help you stay on track.

Illustration of an example credit monitoring alert (a new inquiry was added to your credit report) with a FICO Score change (up by 3 points to 760).

24x7 Credit Monitoring

Credit reports change all the time. We alert you when we detect something new in your Equifax credit data. Proactive monitoring can help you uncover fraud early and avoid nasty surprises when you apply for new credit.^{Important information 33}

Illustration of a line graph representing FICO Scores based on Equifax data with one point highlighted as 760.

Score Change Alerts

Avoid credit surprises. We'll notify you anytime your FICO Score from Equifax goes up or down. With the myFICO app, you can access your scores and alerts on the go.^{Important information 33}

IMPORTANT INFORMATION

3. Not all credit report data or transactions are monitored. Monitored credit report data, monitored credit report data change alerts, FICO Score updates, FICO Score alerts, monitored transactions, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more.