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myFICO Product Profile
The only place to get your official FICO scores from all three bureaus — what lenders actually see
Editorial review record is being refreshed.
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Product resource
myFICO
From $19.95/mo
The Bottom Line
myFICO is The only place to get your official FICO scores from all three bureaus — what lenders actually see. This profile summarizes the product's current positioning, available features, pricing notes, and primary sources while the independent editorial review record is being refreshed.
What is myFICO?
myFICO is the consumer division of Fair Isaac Corporation, founded in 1956 and headquartered in Bozeman, Montana. Fair Isaac invented the FICO credit score in 1989, and FICO scores are now used in over 90% of US lending decisions. The myFICO platform was launched to give consumers direct access to the same scores their lenders pull — addressing the widespread frustration of checking a free credit score tool and seeing a different number than what a lender reports during an application. myFICO holds unique authority as the originator of the scoring model.
What does myFICO offer?
myFICO Basic ($19.95/mo) provides FICO Score 8 from one bureau with monthly updates. myFICO Advanced ($29.95/mo) gives FICO scores from all three bureaus (Equifax, TransUnion, Experian) updated quarterly, with 3-bureau credit monitoring and identity protection features. myFICO Premier ($39.95/mo) upgrades to monthly 3-bureau score updates plus enhanced identity theft insurance. One-time credit reports are also available. The 3-bureau product subscription earns the $100 affiliate commission. myFICO Score Simulator shows how credit actions would affect your scores.
Basic (1 bureau)
$19.95
/month
Advanced (3 bureaus, quarterly)
$29.95
/month
Premier (3 bureaus, monthly)
$39.95
/month
Editorial assessment refresh
We are re-sourcing our prior score and tier before publishing a numerical rating or testing claim for this product. The product details, pricing notes, and linked sources remain available while that work is completed.
Ready to try myFICO? Plans start at $19.95/mo.
Get myFICO — from $19.95/mo →Frequently Asked Questions
Is myFICO worth it in 2026?
myFICO has a current product profile, but we are not publishing an independent value verdict until its editorial review record is sourced. Confirm current pricing, limits, and fit with the provider.
What is myFICO best for?
myFICO is best for: Anyone preparing to apply for a mortgage, car loan, or apartment in the next 6 months, People who have seen a mismatch between their 'free' credit score and what a lender reported, Credit-conscious consumers who want the authoritative score, not an approximation.
Does myFICO have a free trial?
myFICO does not offer a permanently free plan. Paid plans start at $19.95/month.
What are the best myFICO alternatives?
Top alternatives to myFICO include experian, credit-karma, sky-blue-credit.
Review the current product details and sources above, then confirm plan limits and pricing directly with the provider before choosing a plan.
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