Get The Most Complete Look at Your Credit
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FICO® Scores are used in over 90% of lending decisions. myFICO gives you instant online access to your FICO® Scores and credit reports. Get your FICO® Scores and credit reports from all three credit bureaus

One-time 1-Bureau credit report of your choice

Get a detailed look at your scores and credit report

Simulate financial decisions to see how they may affect a score

 

It’s not just your scores.
It’s everything you want to know about your scores.

View the right FICO® Score
With access to the FICO® Score versions most widely used in mortgage, auto and credit card lending—9 – 10 per bureau—you can view the right FICO® Score no matter what type of credit you’re seeking.

Know where your credit stands
View your Experian, TransUnion or Equifax credit report—the same credit reports lenders check when you apply for credit.

Learn what’s affected your credit
Get a detailed breakdown of the top factors that affected your FICO® Score 8—the most widely used FICO® Score—so you can understand what’s had the biggest impact on your credit.

Explore how your FICO® Scores could change
Use our FICO® Score Simulator to see how different financial decisions—like getting a new credit card or paying down debt—may affect a FICO® Score 8.

See what interest rates you may qualify for
We’ll show you how your FICO® Scores can impact loan rates and monthly payments, so you can understand what FICO® Scores you need to qualify for low interest rates.

See how your FICO® Scores compare
Get unique insight into your FICO® Scores—we’ll show you how the factors that affected your FICO® Scores compare with the common factors of FICO® High Achievers, people with a 785+ FICO® Score 8.

Get a detailed look at your FICO® Scores and credit reports from the bureaus of your choice

20% OFF YOUR FIRST CREDIT REPORT

GET YOUR REPORT

 

Have Questions? We Can Help

What is the FICO® Score?
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.

Will this hurt my credit?
No, when you check your own credit it does not hurt your credit score.

Who is myFICO?
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.

Why do I need so many different types of scores?
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!

Why do I need credit monitoring if I have purchase protection with my bank?
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.

 
Get a detailed look at your FICO® Scores and credit reports from the bureaus of your choice

20% OFF YOUR FIRST CREDIT REPORT

GET YOUR REPORT