90% of top lenders use FICO® Scores when making lending decisions

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FICO® Score, The Score That Matters®

FICO Scores are an industry standard

90% of top lenders use FICO® Scores when making lending decisions. So when you apply for a loan, it's likely your lender will be checking your FICO Scores to determine how much you can borrow and how much interest you'll pay.

They're based on your credit history

FICO® Scores make lending fairer. They summarize your credit history using a scientific algorithm so lenders can make well informed decisions. They're based on your financial decisions, so they change as your credit reports change.

They can save you thousands of dollars

High FICO® Scores can give you access to the best loan and credit card rates – and those savings really add up. Prepare for your next loan by monitoring changes, and get a better understanding of your full credit picture.

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Access everything you need to understand your credit

Find out which product is right for you

Whether you're planning for a large purchase or just want to see where you stand, there's a FICO® Score product that's right for you.

Answer 2 - 4 questions to find out which product fits your needs.

Let's Get Started!

Do you want to view your credit reports from one credit bureau or all three? (Lenders may check with any or all three bureaus)

1 credit bureau

3 credit bureau

Do you want to track changes to your credit over time?

Yes

No

Not sure

Are you worried about identity theft?

Yes

No

Not sure

Are you preparing for a loan?

Yes

No

Thank you! We've calculated your results based on your answers.

FICO® Score 1B Report

  • Access to a FICO® Score 8 and credit report from the bureau of your choice
  • View additional FICO® Score versions commonly used in mortgage, auto and credit card lending — 9–10 per bureau
  • Use the FICO® Score Simulator to simulate how financial decisions may impact a FICO Score 8
  • Detailed analysis of your FICO Score 8
Get my FICO® Scores & credit report*
TransUnion
Experian
Equifax
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*IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.

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Thank you! We've calculated your results based on your answers.

FICO® Score 3B Report

  • Access to a FICO® Score 8 and credit report from all three bureaus
  • Compare differences in each report in one side-by-side view
  • View 25 additional FICO® Score versions commonly used in mortgage, auto and credit card lending
  • Use the FICO® Score Simulator to simulate how financial decisions may impact a FICO Score 8 from each bureau
  • Detailed analysis of your FICO Score 8 for each bureau
Get my FICO® Scores & credit reports* Start over

*IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.

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Thank you! We've calculated your results based on your answers.

FICO® Basics 1B

  • Monthly access to a new Experian credit report & 10 FICO® Scores
  • View your FICO® Score versions commonly used in mortgage, auto and credit card lending based on Experian data
  • FICO Score® 8 update alerts
  • Monitoring for changes in your Experian credit report
  • FICO® Score Simulator
  • Detailed analysis of your FICO Score 8 based on Experian data
  • Lost wallet protection‡
  • 24/7 full-service ID restoration
  • $1 million Identity theft insurance§
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IMPORTANT INFORMATION:

*Your subscription will automatically renew monthly at $19.95 unless you cancel. You may cancel at any time; however partial month refunds are not available. All FICO® Score products made available on myFICO.com 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.

‡ Lost wallet protection provides coverage of: credit cards, debit cards, checkbooks, driver's licenses, Social Security cards, insurance cards, passports, military identification cards, traveler's checks and Medicare or Medicaid identification. Other limitations, restrictions and exclusions may apply. See terms and conditions.

§ Subject to policy limitations and exclusions. See terms and conditions.

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Thank you! We've calculated your results based on your answers.

FICO® Ultimate 3B

  • Quarterly access to a new 3-bureau credit report & 28 FICO Scores
  • View the most widely used FICO® Scores versions commonly used in mortgage, auto and bankcard lending
  • 3-bureau credit report monitoring
  • FICO® Score 8 update alerts for each bureau
  • FICO® Score Simulator for each bureau
  • Detailed analysis of your FICO® Score 8 from each bureau
  • Identity theft monitoring
  • Lost wallet protection‡
  • 24/7 full-service ID restoration
  • $1 million Identity theft insurance§
Get my FICO® Scores & credit reports* Start over

IMPORTANT INFORMATION:

*Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however partial month refunds are not available. All FICO® Score products made available on myFICO.com 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.

‡ Lost wallet protection provides coverage of: credit cards, debit cards, checkbooks, driver's licenses, Social Security cards, insurance cards, passports, military identification cards, traveler's checks and Medicare or Medicaid identification. Other limitations, restrictions and exclusions may apply. See terms and conditions.

§ Subject to policy limitations and exclusions. See terms and conditions.

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Setting the record straight on credit scores

Make sure you don't fall for these three common credit myths.

All credit scores are the same.
Fact:

FICO® Scores have been in use for over 25 years, and they are used by 90% of top lenders.

All I need is a credit report.
Fact:

FICO® Scores have been in use for over 25 years, and they are used by 90% of top lenders.

Viewing your own score will hurt your credit
Fact:

FICO® Scores have been in use for over 25 years, and they are used by 90% of top lenders.

 
Fact:

FICO® Scores have been in use for over 25 years, and they are used by 90% of top lenders.

View my FICO Scores now

‡ Credit card ratings: Editors from CardRatings.com rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of the editors from CardRatings.com, and not influenced by any remuneration their website may receive from card issuers.

Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which myFICO receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not include all credit card companies or all available credit card offers.