myFICO makes it easy to understand your credit with FICOScores, credit reports and alerts from all 3 bureaus. See how it works, andlearn how we can help you.
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Video transcriptVideo transcript - How it works
FICO Scores:
Get the right score for your credit goals
FICO® Scores are the only credit score usedby 90% of top lenders. Other credit scores can vary as much as 100 points.Knowing your FICO Scores helps you apply for loans with confidence and avoidsurprises.
We provide FICO Scores based on your Experian, TransUnion and Equifaxreports. When you apply for credit, lenders may use one or more of thesebureaus.
With standard and industry specific versions of the FICO Score, you can get the right score for your goal, including the versions most frequently used when you apply for a mortgage, auto loan or credit card.
Credit Reports:
Check your 3-bureau credit report
We provide full credit reports, with details about your accounts andinquiries along with any collections and public records.
With our 3-bureau reports, you can view a side-by-side comparison of yourinformation from Experian, TransUnion and Equifax. This helps you spoterrors and understand score differences. Reviewing and fixing errors in yourcredit report may have a significant impact on your credit score.
Our regular updates help you keep your credit report accurate.
Credit Monitoring:
Stay on top of changes to your credit
We constantly monitor your credit files at Experian, TransUnion andEquifax and notify you of important changes, such as inquiries, newaccounts, address changes, late payments and more.
Monitoring your credit helps you prepare for a loan, understand howcredit works and detect early signs of fraud.
FICO Score Monitoring:
Get FICO Score updates
We notify you of monitored changes to your FICO Score. With every creditmonitoring alert, we include your current FICO Score (version 8). Scoremonitoring helps you see how credit changes affect your score.
With our score history graph, you can track your score progress as youwork towards your goal.
Identity Monitoring:
Detect threats to your identity
We scan and alert you to potential threats to your identity with advancedidentity theft monitoring. We constantly scan thousands of websites,chat rooms and other Internet databases for the buying, selling ortrading of your personal information, and alert you if your informationis discovered.
We also search public records for other possible signs of identity theftlike new names or addresses tied to your Social Security number.
Identity Restoration:
Recover from identity theft
If you become a victim of identity theft, we're here to help withidentity theft restoration and insurance. You will have up to $1,000,000in identity theft insurance, including coverage for data breaches, astolen identity and fraud. Our US-based identity theft experts are oncall 24/7 to help you restore your identity or recover from a lostwallet.
The identity theft insurance is underwritten and administered by AmericanBankers Insurance Company of Florida, an Assurant company. Please referto the actual policies for terms, conditions and exclusions of coverage.Coverage may not be available in all jurisdictions. Reviewthe Summary of Benefits.
Tools & Analysis:
Take aim at your credit goals
Use our tools and analysis to simulate credit events and gain insights intoyour credit.
See what could happen to your FICO Score (version 8) if you take out amortgage, pay down a credit card and more. Compare side-by-side simulationsfor all 3 bureaus. The 3-bureau FICO Score Simulator is only available frommyFICO!
Our other tools help you review what's helping and hurting your score,and see up-to-date interest rates for mortgage and auto loans based on yourFICO Score.
Education & Community:
Build your credit skills
Visit our credit education center to learn about credit, FICO Scores andcredit reports. You can also find tips on improving your credit and ask yourcredit questions to our active 750,000 member user forums.
If you need to speak with us, just call our toll-free US-based customersupport. With myFICO, you can learn about credit from the company thatinvented the FICO Score.
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Compare subscription plans and one-time credit reports.
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