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Track your FICO Score. Monitor your credit. Empower yourself.

Monitor your Equifax credit report and FICO® Score 8 based on Equifax data, receive customized alerts, view additional FICO® Score versions with each credit report you obtain, including a prior base FICO Score version — often used in mortgage lending decisions — as well as industry-specific auto and bankcard versions. See where you stand with FICO® Score Watch.

$149.95/year (Save $29 over monthly)

*IMPORTANT INFORMATION: Your subscription will automatically renew monthly at $14.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.

All FICO® Score products made available on 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.

Monitor your FICO® Score 8

We'll monitor your FICO® Score 8, based on your Equifax credit report, so you’ll always know when changes have been detected. Plus, get a personalized summary of the factors affecting your score. Monitoring for additional FICO Score versions is not available.

customized alerts

When we become aware of a change to your Equifax credit report, we'll alert you within 24 hours via email, text or iOS app. Plus, you can customize your score alerts so that you get notified when you reach a specific score.

You'll get an alert and current FICO® Score 8 when we detect:

  • FICO® Score changes
  • New accounts
  • Account changes
  • Inquiries, collections and public records
  • Name, address and phone changes

FICO Score analysis

Learn what factors are affecting your
FICO® Score with a detailed analysis. Get up to five factors and see how your analysis compares to the common factors of high scorers.

View additional FICO®
Score versions

While FICO® Score 8 is the most widely used FICO® Score, there are other versions of the FICO Score that lenders may use when evaluating your request for credit. For each credit report you obtain during your FICO Score Watch subscription, you get FICO® Score 8, a prior base FICO® Score version, along with industry-specific FICO® Score versions tailored for auto loans and credit cards. You can view these additional FICO® Score versions based on Equifax data. Monitoring for additional FICO Score versions is not available.

Use our tools to
prepare for your next big purchase

Get access to the FICO® Score Simulator and simulate financial decisions.

Simulate scenarios like:

  • Paying down credit card balances
  • Making regular credit card payments
  • Paying bills on time

Plus, join the myFICO community to connect, find support, and get advice from other people who are monitoring their credit and preparing for loans — just like you.

Understanding why FICO® Score Watch is important
to your financial health

You’ve got big plans for your future—like purchasing a new car, moving across country or starting your own business. But your big dreams require access to affordable credit.

You’ll need a home loan, auto loan or credit for a new computer. How do you get approved for credit? Your lender will likely look at your credit reports and FICO Scores.

By monitoring your Equifax credit report and FICO® Score 8, you can prepare for your next loan and feel confident knowing your credit health.

You're eligible for 2 new Equifax reports and FICO® Scores per subscription year at no additional charge.
Plus, as a subscriber, get new Equifax credit reports and FICO® Scores anytime you want for 20% off!

Your subscription will automatically renew monthly at $14.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.
Save $29
over monthly

myFICO is the consumer division of FICO. Since its introduction over 25 years ago, FICO® Scores have become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use FICO Scores to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters®

Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
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