Know Your FICO® Scores and Stop Overpaying for Credit!

FICO® Scores are used by more than 90% of top lenders.


Ongoing Credit Monitoring

Track your FICO® Scores, credit and identity Best for managing financial goals over time:
  • Prepare for a mortgage or other major loan
  • Instant credit reports plus regular updates
  • Monitor credit events and FICO® Score changes
  • Detect identity threats

One-time Credit Reports

Know your FICO® Score for important transactions Best for one-time events:
  • Prepare to meet with a lender
  • Check credit report accuracy
  • Understand your current FICO® Scores

Help Me Choose

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Have Questions? We Can Help

  • No, when you check your own credit it does not hurt your credit score.

  • myFICO is the consumer division of FICO, launched in 2001 to help consumers get their FICO® Score directly from the people that make the FICO Score. Our headquarters are in San Jose, CA.

  • The FICO® Score is the most widely used credit score, used by more than 90% of top lenders. Some credit apps use other credit scores, but they are calculated differently than FICO Scores and many lenders won't use them.

  • Lenders may use different score versions for different decisions — a mortgage lender will pull the FICO® Score version most commonly used in mortgage lending while an auto lender will likely want your FICO Auto Score. Additionally, each lender may pull your FICO Score and credit report from one, two or all three credit bureaus.

    Your FICO Scores will likely vary across versions and amongst the three credit bureaus. With your plan, you'll get access to 28 of the most commonly used scores based on information from all three bureaus. Whether you're looking for your FICO Scores used in mortgage, auto, or credit card lending, we've got you covered!

  • More FAQs and support
  • Purchase protection on your credit card protects you on accounts you already have open but it does not protect you against new, fraudulent accounts. Your bank can only protect the accounts that you have opened — credit monitoring helps you detect accounts that you haven't opened. Credit monitoring also lets you track how your credit actions affect your score, and can help you to prepare for a loan.

  • You can cancel at any time using our app. Or, if you prefer to call, you can speak to our US-based customer support to cancel.

  • Call our toll-free, US-based customer support at 800-319-4433.