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Rating: 8.7 / 10 (Excellent)
3 Customer Reviews - see all comments
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myFICO is the consumer division of the data analytics company Fair Isaac Corporation, which pioneered a revolution in the financial services industry with the development of their FICO credit risk score in the 1960s. In partnership with the three main national credit reporting agencies, myFICO now delivers credit information products designed to help consumers understand and protect their credit.
 
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How Do We Rate MyFICO?

Breakdown

4.0/5
Plans and Pricing
5.0/5
Report Details and Frequency
4.3/5
Credit Bureau & Credit Scores
4.5/5
Monitoring and Extra Features

Our Overall Rating: 4.4 / 5 (Excellent)

As the consumer division of the Fair Isaac Corporation, myFICO offers unparalleled protection through quality credit monitoring and reporting as well as comprehensive identity theft protection. The company offers access to credit reports from all three major credit bureaus, change alerts, historical score tracking, identity-theft monitoring, identity recovery services, and even a FICO score simulator to help consumers make informed decisions about their credit. There are some small drawbacks to working with myFICO, however, as they do not offer free trials of any of their products but their plans are high-end in comparison to what competitors are offering. Nevertheless, myFICO has an excellent selection of plans and additional tools to help customers keep track of and safeguard their credit.

Credit Score & Reports

Report Details and Frequency - 5 / 5

myFICO offers instant access to three-bureau credit reports and up to 28 FICO score versions, including those most widely used by lending institutions for home and auto lending. They also provide a choice of monthly or quarterly access to updated credit reports and scores, depending on the credit monitoring plan selected.

Credit Bureaus Covered

Equifax
Experian
TransUnion
Credit Report Frequency
Quarterly
Access to Credit Scores
Yes
Access to Credit Reports
Yes

Monitoring & Tools

Credit Bureau & Credit Scores - 4.3 / 5

myFICO's Premier plan includes three-bureau credit monitoring, FICO Score 8 updates, historical score tracking, identity theft monitoring, lost wallet protection, up to one million dollars in identity theft insurance, and 24/7 full-service identity restoration. Their Basic plan offers almost the same level of protection, but does not offer identity theft monitoring and only includes an Equifax credit report with monthly updates. In addition to their credit reporting and monitoring plans, myFICO also provides useful tools like a mobile application and a loan savings calculator that helps illustrate how FICO scores affect interest rates on loans.
Credit Tools
Credit Analysis Calculator
Credit Change Alerts
Historical Score Tracking
Interest Rate Estimator
Security & Protection
Identity Theft Monitoring
Identity Theft Insurance
Identity Restoration Support
Lost Wallet Protection
Identity Theft Insurance Limit
$1,000,000

MyFICO Plans & Pricing

Plans and Pricing - 4 / 5

myFICO does not offer free credit reports or trials of any of their plans and charges $19.95 per credit report or $59.85 for all three-bureau reports. The FICO Basic plan is valued at $19.95 per month, yet customers thinking about opting for that plan may want to consider purchasing the company's most popular product, the FICO Advanced, instead. FICO Advanced, which includes quarterly three-bureau reports, credit monitoring, and identity-theft protection is available for $29.95 a month an excellent value for a 10 dollar increase.
30-day Trial Available?
No
Free Report Offered?
No
Monthly Price
Starting at $19.95

MyFICO Reputation & Support

Monitoring and Extra Features - 4.5 / 5

myFICO is a Better Business Bureau-accredited corporation with a composite score of 3.68 out of 5 stars based on 5 customer reviews and a rating of A+. The company has received few complaints for an enterprise of its size and most seem to be related to problems with their cancellation policy, or undisclosed issues with their products and services. There is a myFICO mobile application available for Apple and Android phones, which features access to FICO scores and full credit reports based on data from all three main U.S. credit bureaus as well as push, text, and email notifications on identified important changes to your credit.
Mobile App
Yes
Alert Methods
Text
Email
Mobile App

Customer Feedback

BBB Rating
A+
Date Collected
2017-11-17

Contact & Additional Company Information

Year Founded
1950
Homepage URL
https://www.myfico.com
Company Phone
(408) 817-9100
Headquarters Address
181 Metro Drive, San Jose, CA, 95110
Mailing Address
181 Metro Drive, San Jose, CA, 95110
Our Partner
VISIT SITE

  • FICO score based reporting
  • 3 bureau credit score reporting
  • Mobile alerts
  • $1 million ID theft insurance
  • FICO score simulator
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Latest MyFICO Reviews

scriptzlock3rpro

11/10/2025
I don't have any problem with MyFICO, I've been making use of their platform for a long time. I'll just advice that if you have negative items setting you back, sign up with 'Creditmason Repairs' to have your report cleaned up. I found them through a Google search while looking up how I could deal with my old collections and hard inquiries.

bharri1994

8/5/2025
DO NOT sign up for any service with this company. They are all about their money, will make it hard for you to cancel, and they refuse to issue refunds of any kind. Very predatory in my opinion. Your best bet is to get the free service or subscription through Experian.

mryblntyne

2/2/2022
It's exactly a month ago that i decided to register with Creditmason, a credit restoration company i got introduced to by a colleague. Prior to that, i had a credit card that is old as 2014 reflecting as negative. In addition have total of 10 negative items, debt collection over $12000. I was overwhelmed and didn't know how to get rid of all these once. Fortunately, i got intrduced to Creditmason and everything was cleared within two months of working them. My score went from 580 to 800 a few weeks after the removal of those items on my report. This is a reliable route for people that needs a better credit, visit creditmason.net for more information.

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