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

90% of 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

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
FreeImportant information 4
No credit card required
Start Plan - Free

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
$29.95 per monthImportant information 4
Start Plan - Advanced

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