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myFICO

Access your FICO® Scores, including versions widely used in mortgage, auto and credit card lending from all 3 bureaus and access full credit reports based on Experian, TransUnion and Equifax data. Get push notifications on identified important changes to your credit report, FICO® Score 8 and identity profile on your mobile device. Requires an active myFICO.com account
Features
• Access your FICO® Score 8 and credit reports from all three bureaus
• Access other FICO® Score versions widely used in mortgage, auto and credit card lending
• 3-bureau or 1-bureau credit data monitoring
• 3-bureau or 1-bureau FICO® Score 8 updates
• Identity analysis report & identity monitoring
• Push notifications on identified important changes to your credit report, FICO® Score 8 and identity profile
• Analysis and educational content for your FICO® Scores

Category : Finance

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Reviews (30)

ile. L. L. Apr 14, 2022     

Can't say anything about the free part of this app, but I bought the $30 membership since I'm buying a house an need to keep my score in my sights. This app has been great for that. I do also use the Myexperian and Myexperian boost with this app and it's been a great combo!! Credit Karma and Credit Sesame isn't ever accurate.. Thanks myFico!!!

Sab. M. May 4, 2022     

It was great but then it updated. The new simulator sucks. Experian app updates faster by a day or two, why does myFico take so long?? This app gives lots of scores and updates but It's not worth 30-40$ a month. I suggest only using paid version for rebulding credit, and preparing to buy a house. Not worth it otherwise.

Tin. R. Apr 16, 2022     

I love that I can see my fico, auto score, credit card score & mortgage scores across all 3 bureaus. Plus, thr scores are always 100% on point when a lender checks. They're always surprised that I got my score right.

Bar. F. Apr 6, 2022     

WAY TOO expensive!! My bank gives my scores every month, for FREE! I'll stick with my bank! This gets 5 stars because it's always as accurate as your actual scores; plus for people who can afford this service, why not!

Sar. 1. Jan 27, 2022     

In the process of rebuilding my credit and saw a rebate offer through capital one offers for a discount on a myfico subscription if purchased using a capital one card through their app. One of the best decisions I've made in the rebuilding process. The information available is everything I could want and more, especially as I'm working towards qualifying for a mortgage in the near future. Really loving the app and extensive features/ info. For me, it's well worth the money I highly recommend it.

Chi. K. May 21, 2022     

Have used MyFico for years. I love that it's always up to date with my most recent score. Would recommend this site to everyone, especially those working on improving their credit, or in the market for a new purchase such as a home or car.

Car. V. Mar 10, 2022     

Best overall! I was told to switch to this app by our financial advisor because it shows more scores and which scores apply to what kind of credit your looking for like mortgage or auto. I feel a lot better about my credit with this app I feel more informed.

Yos. Apr 30, 2022     

Very helpful breakdown of all the FICO scores used for everything from all three of the major credit bureaus and very good tools are included in this app

Ken. B. Mar 22, 2022     

The platform is very intuitive and engaging. I really wish Experian credit scores updated more frequently. I wish creditors sent payments/payoff information quicker. The whole credit game is literally a game!

Chr. T. G. 1. Mar 29, 2022     

Very organized, sorted in a good way, easy to navigate but wish we get a free month instead of paying $40, I'm on low income disability and it makes it hard to make a living, I worry about my credit everyday. I might consider staying with Experian due to it being half the price a month.

Jos. V. Jan 1, 2022     

This is a super app, if you pay for it, but it's really worth the money if you're trying to build your credit. It has the different scores for whatever your trying to do, buy a house, car, or whatever. It really helped me get where I needed to be and gives you complete monthly updates on you credit so you can see the progress. Highly recommended...

Zac. W. Jan 3, 2022     

Worked fine until about two weeks ago. all three scores reset to 301 and hasn't moved. I get the numbers showing increase or decrease but score stays at 301. Program is updated to the latest version.

Tre. W. Feb 11, 2022     

Really good app. They show accurate information. I used this app to monitor mine and family credit. We were in the process of credit repair and getting a home loan. I recommend using them for credit monitoring.

mal. w. Mar 6, 2022     

It's a necessity this day and age to mind your credit scores in order to be aware of how you look on paper not only to lenders but employment opportunities and even budding relationships. When 3 independent bureaus can seriously influence your life, it's necessary to get your information from the source. While Credit Karma and the other free services do serve a purpose in some regard, your FICO score is the real score anybody checking your credit report will see.

KK. P. Mar 21, 2022     

For the last month, when I open the app it shows all three scores at 301. If I open them individually it shows my actual score. This is annoying, please fix it.

Ste. H. Apr 20, 2022     

Excellent. I am pleased with receiving regular notifications and score updates.

Jes. R. Jan 16, 2022     

Love that they provide all scores depending on the type of credit you are interested in obtaining. This helped me have a better idea of what my refi rate would be. I give it 4 stars is because 1. It's expensive and we consumers have a right to access to our own info without being gouged and 2) when a score changes, it doesn't tell you the exact reason for the change like Credit Karma does, it just gives you a list of possible factors and leaves you figure it out.

Ken. L. Mar 26, 2022     

Since these come straight from the credit bureaus themselves the weight isn't near as long for updates as it is with other sites and it is 10 times more accurate.

Dwa. S. Nov 10, 2018     

Generally pretty good app, but you can get faster updates from Experian directly--typically 1-2 days faster. Also, there's a bug that prevents credit alerts from showing up without first restarting the app. To be clear, it will show the alert, but when you click for more details, it shows an older alert instead. Finally, sometimes purchases do not go through right away, and you may have to wait up to 30 minutes to view your report(s).

J.. B. Feb 5, 2019     

Works as expected but there is definitely a delay with updates. For example, I paid about $4000 to a credit card in a lump sum. I received an alert 30+ days later that my account decreased by $2847. Conversely, when a made a $3000 purchase, the alert and corresponding score drop was almost immediate. I mostly blame the credit process for all of this. The app just exposes it very well.

Jam. B. Apr 29, 2020     

I love what this provides: continuous credit monitoring, a credit score that is more likely used by lenders than other models, full reports for each bureau in a refined consolidated format, wonderful simulators, and various educational resources. The content is great. The app is horrible. Frequent freezing, crashing, and unresponsiveness plague what would otherwise be a perfect app. (I am using a Pixel 4 XL on a gigabit bandwidth . I can only imagine what some older phones may experience.

Mr.. N. Jun 14, 2020     

Last month I got a notification saying that my info was found in some unsafe areas. Of course I immediately opened the app to see what the notification was, but was greeted by a blank error screen. I have been trying to login to this app for over a month and keep getting a blank error screen saying "Network error unable to connect to server. Please try again later." I am on the monthly plan. I don't think it's fair for me to be charged each month for an app that doesn't work over half the time.

B. G. Jul 1, 2019     

Great because its the only place to view 3 FICO scores, with additional scores the mortgage lenders and bank card issuers use. It's actually spot on accurate, when i applied. Every other site gives you vantage or some other propietary calculation. FICO is the only model Ive seen used by creditors. Bad news is it cost a bit; $30 a month for a score every 3 months is expensive. i wish there was a cheaper option to view scores on a one time basis $15 would be about right.

The. P. Dec 3, 2018     

It's just "okay." Like many of the reviews share, it frequently has glitches and won't update. I've had to uninstall and reinstall repeatedly just to have current data. I find the accuracy leaving something to be desired; very much behind current reporting. If you are looking for specific, accurate info, go to the full website to get it.

Den. C. Sep 25, 2020     

I wanted to give a update since I have used this app for several months now. It's still a very good app navigation is well laid out, my only issue is when I get the notification alerts it's hard to distinguish which ones are new because the colors are all the same I would suggest changing it so that we can tell the new alerts from old. I also want to mention that it does have biometric which is nice.

Jac. S. Jan 1, 2022     

Not difficult to use. Details are clear. However, I always have to log in every time I minimize the app (not close). It doesn't stay logged in. It's annoying.

sam. p. Dec 2, 2020     

Pretty awesome and straight to the point. Easy to navigate. When it comes to fico scores these are the ones you need to monitor. Credit karma and the others are vantage scoring. To date no one or very few lenders use those scores in deciding credit worthiness. With myfico I can easily see where I'm at across the whole spectrum and monitor or address any challenges.

Cur. R. Dec 7, 2021     

My experience so far is not great because each time I log in it's saying internet error try again but I'm connected so I'm forced to log in through the website instead when that is fixed then I will give 5 stars because I like how everything is broken down on the app

Whi. H. Feb 1, 2022     

Overall, good app. No crashes. It is very easy to navigate and I can understand what is telling me. I just wish it had more info about the items that are on my credit report.

ald. Apr 6, 2022     

Love this app. Easy to use and like how it is more accurate than creditcarma or however you spell it lol.