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What is myFICO?
myFICO is an online platform that provides individuals with direct access to their official FICO credit scores and comprehensive credit reports. As the consumer division of FICO, myFICO offers services including credit monitoring, score change alerts, and personalized insights for mortgages, auto loans, and credit cards. Users can compare scores from Equifax, Experian, and TransUnion and conveniently track updates in one place, helping them stay informed and better prepared for major financial decisions.
The platform also incorporates identity theft protection with up to $1 million in coverage on select plans, 24/7 identity restoration services, and proactive credit monitoring to alert users to suspicious activity or important changes. Additional tools like credit simulators, educational resources, and community forums empower users to understand their credit standing and the factors influencing it.
Features
- Official FICO Score Access: View FICO Scores used by over 90% of top lenders
- Comprehensive Credit Reports: Access and monitor reports from Equifax, Experian, and TransUnion
- Credit and Score Monitoring: Receive alerts for score changes and new credit report activity
- Identity Theft Protection: Up to $1 million coverage and 24/7 identity restoration
- Score Simulators: Model how financial activity might impact credit scores
- Personalized Loan Scores: Get scores specifically used for mortgages, auto loans, and credit cards
- Mobile Access: Retrieve scores and alerts via the myFICO app
- Bank-Level Security: 128-bit encryption for secure data transmission
- Free and Paid Plans: Multiple membership options to fit diverse needs
- Educational Resources: Access to credit education, calculators, and community forums
Use Cases
- Monitoring personal credit health and changes
- Preparing for major purchases such as a home or car
- Protecting against identity theft and resolving incidents
- Accessing credit scores and reports required by lenders
- Learning how credit actions may impact future creditworthiness
- Detecting and disputing errors on credit reports
- Managing and building credit for financial goals
- Staying informed about offers for loans, credit cards, or savings accounts
FAQs
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Will checking my FICO Score with myFICO hurt my credit?
No, checking your FICO Score through myFICO does not affect your credit score. -
Why should I check all three credit bureaus?
FICO Scores and credit reports can vary between bureaus, and lenders may reference any or all three when assessing credit applications. -
What is included in identity theft protection with myFICO?
Paid plans offer up to $1 million in identity theft insurance and 24/7 identity restoration services. -
Can I cancel my myFICO subscription at any time?
Yes, subscriptions can be cancelled at any time, but refunds are not available. -
What educational resources are available with myFICO?
myFICO provides credit education, calculators, and access to a community forum to support users in understanding and managing their credit.
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