Your FICO Score, from FICO

90% of top lenders use FICO Scores–do you know yours?

Free

  • 1-bureau coverage
  • Equifax
  • FICO Scores - Version 8
  • 1-bureau FICO Score 8 monitoringImportant information 2
  • 1-bureau credit monitoringImportant information 2
  • 1-bureau credit reportsUpdates available every month
  • FICO Score versions for mortgages, auto loans & more
  • FICO Score 8 simulator
  • $1 million identity theft insurance
  • 24x7 identity restoration
  • Not included: Identity monitoring
FreeImportant information 1
No credit card required
Start free plan

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 1

Advanced

  • Complete 3-bureau coverage
  • Equifax, TransUnion, Experian
  • FICO Scores - All available versionsImportant information 1
  • 3-bureau FICO Score 8 monitoringImportant information 2
  • 3-bureau credit monitoringImportant information 2
  • 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 3
  • 24x7 identity restoration
  • Identity monitoring
$29.95 per monthImportant information 1
Start advanced membership

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 1

IMPORTANT INFORMATION

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.

What you'll get with FICO Advanced

Free Advanced
Scores

:
Credit report from all three bureaus

Instantly access your credit report from Experian, Equifax, and TransUnion. Check for errors and get a complete look at your credit standing in a glance. Plus, get quarterly updates to your credit reports and FICO Scores.

Alert

:
Alerts when your credit report changes

We'll monitor your credit reports 24/7 and alert you to any detected changes via email, text or mobile app. You'll also get an updated FICO Score 8 with each alert.Footnote 2

Reports

:
See what's affecting your score

Take the mystery out of why your credit score is what it is. See the top factors that are determining your FICO Score along with a detailed analysis, so you know what to work on. Plus, learn how your score compares to those of top-scorers.

Report

:
Prepare for score changes

How will opening a new credit card impact a FICO Score? How about paying down a loan? The FICO Score Simulator helps you explore the potential impact of your decisions on your credit before you make them.

Insights

:
The credit score versions that lenders actually use

Lenders use different versions of the FICO Score for different purposes. So, why should you only have one? We give you 28 FICO Score versions–including the versions most widely used for mortgage, auto and credit card lending. So, no matter your credit goals, you'll have access to the right score.

Simulator

:
$1M ID theft insurance

Uncover identity threats quickly with our black-market monitoring and identity theft detection. And, recover from any incidents quickly with our US-based ID theft resolution services and id theft insurance coverage for up to $1 million.Footnote 3

IMPORTANT INFORMATION

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.

3. 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.

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.

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 4

Updates every month. No credit card required.Important information 4Important information 5

Start Free Plan

IMPORTANT INFORMATION