FICO is celebrating 20 years
of helping people take control of their credit and enrich their lives. With the launch of myFICO.com on March 19, 2001, consumers had direct access to their FICO® Score and a detailed FICO® Score explanation for the first time ever.
By helping ordinary people see how lenders viewed their credit risk, myFICO forever changed the consumer's role in the lending process. Before myFICO, consumers went into the lending process blind—they couldn't know or understand their credit rating and had limited insight into how to better manage their financial health.
With the arrival of myFICO
consumers gained access to the same information lenders used to decide if they would extend credit and under what terms. FICO was at the forefront of this transparency revolution. Since then, myFICO has continued evolving with enhanced features like the FICO® Score Simulator, which helps consumers understand how future credit choices may impact their FICO® Scores. These additional features have helped to demystify credit scores for everyday Americans.
Over the past 20 years, FICO has become a trusted source for consumer credit information. Additional FICO consumer programs provide consumers access to their FICO® Scores from participating FICO® Score Open Access lender partners and credit and financial counseling providers, and Score a Better Future seminars help consumers build a better understanding of FICO® Scores.
Our History
2001
myFICO.com Launched
For the first time, people have direct access to their FICO® Score ‐ The Score Lenders Use®.
2002
FICO® Simulator
"What if" planning tool enabling people to see how various credit actions may impact their future FICO® Score.
2002
Interest Rates by FICO® Score Calculators
Consumers can measure the potential saving in lender interest rate fees that may result from a higher FICO® Score.
2003
FICO® Score from all three Bureaus
People can now see how lenders see their credit risk with access to their FICO® Scores based on Equifax, Experian or TransUnion data.
2004
Suze Orman FICO Kit
Partnership with industry leading financial coach to help educate millions of people about the credit process and FICO® Scores.
2005
24/7 Monitoring of FICO® Score & Credit Report
Alerts sent when changes are detected enabling consumers to stay on top of their FICO® Scores and underlying credit information.
2005
Identity Theft Protection
Consumers get "peace of mind" knowing their personal identity is being monitored for signs of identity theft.
2007
Have Question/Get Answer
FICO Forums introduced, the first open source community where "everything credit" can be found.
2009
Mortgage Relief Online Service
Helping homeowners impacted by the "great recession" determine if they may be eligible for mortgage relief under the making Home Affordable Plan.
2012
myFICO App Released
FICO® Scores, reports, alerts access anytime/anywhere.
2013
3-Bureau/3-Score Monitoring
Complete package of updated FICO® Scores, reports, 24/7 monitoring, alerts as well as identity monitoring.
2015
Industry-Specific FICO® Scores
Access to the FICO® Score versions used in mortgage, auto and credit card lending - only at myFICO.
2016
FICO® Score 9
The newest suite of FICO® Scores become available in all myFICO solutions.
2019
FICO® Family Advance
Family members can be added within credit monitoring solutions.
2021
FICO® Resiliency Index
Insights into how resilient consumers are to an economic downturn.
Credit Journey Stories

Devine's Credit Journey
Learn about Devine's journey to home ownership as she addressed her payment history, delinquencies and high balances.

Jania's Credit Journey
Read about Jania taking control of her credit and financial health as she made the big jump to leave her job and become an entrepreneur

Michael's Credit Journey
Find out how Michael was able to recover his credit standing over time after filing for bankruptcy during the "Great Recession"
Congratulations
Madam Speaker, I rise today to commemorate the 20th Anniversary of myFICO.com. Two decades ago, on March 19, 2001, FICO, a pioneer in the development of credit scoring, launched an online website, myFICO.com, recognizing the need for greater transparency and education in the consumer credit empowerment space. my FICO.com quickly became a go-to destination for consumers accessing their credit reports, FICO Scores and FICO Score explanation. More importantly, the site became a resource for any consumer to receive free educational information and tools that help individuals better understand what actions impact their overall credit health. Over this time, the site developed myFICO Forums, a robust crowd source community, which has become a valuable free resource for consumers to get unfettered credit-related information from their peers. The site now contains a popular blog as well as a series of credit education videos. Understanding credit scores and developing financial literacy is not an easy pursuit. For 20 years, myFICO has been assisting millions of people become educated consumers and gain access to credit to enhance their lives. Madam Speaker, I ask my colleagues to join me in celebrating myFICO's twenty years of contributions to our constituents and communities.
20 years ago FICO rocked the financial literary space by enabling consumers for the first time to see how lenders see them ‐ by providing direct access their FICO Scores. Since then, myFICO has helped millions of people to take control of their credit to enrich their lives. Congratulations and happy 20th anniversary!
Congratulations to myFICO on 20 years of helping consumers understand and manage their credit. Your FICO Score is one of the most important numbers in your financial life. myFICO has helped countless Americans reach important milestones like buying a home and paying off debt.
20 years, WOW! Two decades of innovating, educating, guiding and creating space for communities around the world to lean towards a life of financial wellness, sound financial health, and hope. As a woman of color, I know first-hand how essential it is for individuals to feel included and empowered. It has been an absolute honor, to work alongside the committed and purpose-driven teams at FICO to amplify key and transparent messaging that serves those who are enthusiastic about the impacts that their credit scores can have for them as individuals and their families. Congratulations myFICO on such a profound milestone!
Happy 20th Anniversary to myFICO. We appreciate your efforts to work with consumer groups to help empower people to take control of their financial lives. We want credit scores to be more transparent and to be a helpful tool for consumers. The free credit education assets on myFICO help consumers understand their FICO Scores, better see how they are being viewed by lenders and learn what they need to do to improve their scores.
Congratulations to FICO on the 20th anniversary of the myFICO service! Thank you for continuously empowering millions of people with your services and for being a trailblazer financial institution that prioritizes financial wellness by providing much needed financial and credit education to those who need it the most!
For over 25 years I have conducted financial seminars on credit reports and scores throughout the US. I rely on the great information from myFICO as it allows me to provide the best and most updated information on credit scores that helps empower my audiences to take control of their credit health. Congratulations to myFICO on your 20th anniversary, KEEP UP THE GREAT WORK!
Credit Facts
A "perfect" FICO® Score is possible. About 2% of Americans have an 850 FICO® Score!