myFICO
Direct access to lender-used FICO scores and credit monitoring.
myFICO is FICO’s consumer-facing service for viewing FICO Scores, credit reports, monitoring alerts, and identity-theft protection options. Plans range from a free single-bureau score to paid subscriptions with three-bureau coverage, specialized score versions for mortgages and auto lending, and score simulators.
Why it stands out
- Operated by FICO’s official consumer division rather than a third-party score estimator.
- Includes multiple FICO score versions used for different lending categories, not just a single general score.
- Higher tiers show reports and scores from all three major U.S. credit bureaus side by side.
- Premier plan specifically includes a simulator for FICO mortgage score versions, a detail many free credit tools do not offer.
Good to know
- The free plan is limited to Equifax coverage and FICO Score 8, without mortgage, auto-loan, or other specialized score versions.
- Paid subscriptions renew monthly, and the page states that refunds are not available after cancellation.
- A lender or insurer may use a different FICO version or another credit score model than the one shown in myFICO.
- Monitoring does not cover every credit report data point or transaction, and alert timing varies by bureau.
Under the radar: If you are preparing for a mortgage, compare the paid tiers carefully: the mortgage-score simulator is listed only with Premier, while Basic and Advanced include the general FICO Score 8 simulator.
Photos
Mortgage, auto-loan, and credit-card applicants can check the FICO score versions that may matter before applying. Compare credit report information across Experian, TransUnion, and Equifax on higher-tier plans. Monitor score and report changes between major credit applications. Use score simulators to estimate how actions like paying down debt could affect selected FICO scores. Add identity restoration support and insurance alongside credit monitoring on paid tiers.
FICO Score 8 access, paid access to additional FICO score versions, one-bureau or three-bureau credit report coverage, monthly or quarterly updates depending on plan, score and credit monitoring alerts, score simulators, identity monitoring on select plans, identity theft insurance and 24/7 restoration support on paid plans.
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Similar sites elsewhere
- Experian — experian.com
- Credit Karma — creditkarma.com
- Equifax — equifax.com
- TransUnion — transunion.com
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