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

Start Free Plan Compare Plans

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.

90% of Top Lenders Use FICO Scores

Other credit scores can vary as much as 100 points from your FICO Score. Get the score lenders use.

FICO Free plan features

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 3

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 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

Advanced

  • Complete 3-bureau coverage
  • Updates available every 3 months
  • FICO Scores
  • Scores for mortgages, auto loans & more
  • Credit reports
  • Score and credit monitoringImportant information 5
  • Up to $1 million identity theft insuranceImportant information 6
  • 24x7 identity restoration
  • Identity monitoring
$29.95 per monthImportant information 4
Start advanced membership 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 belowImportant information 4.

Premier

  • Complete 3-bureau coverage
  • Updates available every month
  • FICO Scores
  • Scores for mortgages, auto loans & more
  • Credit reports
  • Score and credit monitoringImportant information 5
  • Up to $1 million identity theft insuranceImportant information 6
  • 24x7 identity restoration
  • Identity monitoring
$39.95 per monthImportant information 4
Start premier membership 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 belowImportant information 4.

IMPORTANT INFORMATION