FICO® Free Plan
Your FICO® Score, from FICO for free
Get your FICO Score straight from the people that created it. Plus, free Equifax credit monitoring and a free Equifax credit report every month. No credit card required.Important information 1Important information 2
IMPORTANT INFORMATION
1. Your subscription will automatically renew monthly at $0 for Free Plan, unless canceled. You or we may cancel at any time. 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.
2. 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.
FICO Free plan features
What you'll get with FICO® Free
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.
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.
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 3
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 3
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.
Choose the plan for you
Free
- 1-bureau coverage
- Equifax
- FICO Scores - Version 8
- 1-bureau FICO Score 8 monitoringImportant information 5
- 1-bureau credit monitoringImportant information 5
- 1-bureau credit reportsUpdates available every month
- Not included: FICO Score versions for mortgages, auto loans & more
- Not included: FICO Score 8 simulator
- Not included: $1 million identity theft insurance
- Not included: 24x7 identity restoration
- Not included: Identity monitoring
Automatically renews at $0/month. May be cancelled at any time. Includes FICO Score 8. Your lender/insurer may use a different credit score. See important information below.Important information 4
Advanced
- Complete 3-bureau coverage
- Equifax, TransUnion, Experian
- FICO Scores - All available versions
- 3-bureau FICO Score 8 monitoringImportant information 5
- 3-bureau credit monitoringImportant information 5
- 3-bureau credit reportsUpdates available every 3 months
- FICO Score versions for mortgages, auto loans & moreUpdates available every 3 months
- FICO Score 8 simulatorUpdates available every 3 months
- $1 million identity theft insuranceImportant information 6
- 24x7 identity restoration
- Identity monitoring
Automatically renews at $29.95/month. May be cancelled at any time. No refunds. Includes FICO Score 8. Your lender/insurer may use a different credit score. See important information below.Important information 4
IMPORTANT INFORMATION
4. Your subscription will automatically renew monthly at $0 for Free Plan, or $29.95 for Advanced, unless canceled. You or we may cancel at any time. 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.
5. 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.
6. 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.
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.
Get your FICO® Score for FreeImportant information 7
Updates every month. No credit card required.Important information 7Important information 8
IMPORTANT INFORMATION
7. Your subscription will automatically renew monthly at $0 for Free Plan, unless canceled. You or we may cancel at any time. 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
8. 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.