myFICO — Official FICO scores from all 3 bureaus — direct from the source. Best for: Borrowers actively shopping for a mortgage, auto loan, or large credit application who need the exact FICO scores lenders will see.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Questions about myFICO
Who is myFICO best for?
myFICO is best for borrowers actively shopping for a mortgage, auto loan, or large credit application who need to see the exact FICO scores lenders will pull before they apply.
How much does myFICO cost?
Plans run $19.95 to $39.95 per month, tiered by features. For most consumers the basic $19.95 tier is sufficient, with the highest $39.95 tier adding extras most people don't need.
Does myFICO show real FICO scores from all three bureaus?
Yes. myFICO is run by Fair Isaac Corporation (FICO) and provides official FICO scores from all three bureaus — Equifax, Experian, and TransUnion — the same scores lenders pull, including industry-specific variants for mortgage and auto.
How often does myFICO update scores?
Updates are monthly or every 90 days depending on your subscription tier.
Do I need myFICO if free credit-monitoring tools are available?
For routine monitoring, free tools cover most needs at no cost. myFICO's value is the precision of official, lender-specific FICO scores — most useful in the 60 to 90 days before a mortgage or auto-loan application.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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