myFICO Review 2024 → All In One FICO Scoring Checker!

Is there any personal or business credit score estimator that is free? Yes, if you are looking for that in myFICO. Their Credit Store Estimator can help you for free!

This credit score estimator helps you better understand your FICO scores’ estimated range. Plus, they will provide you with customized product recommendations available from myFICO. On top of that, they are free!

Alright, how does this thing work? It is pretty simple. They will provide you with 10 easy questions regarding your credit card activity. After you complete them, the estimated scores will appear.

However, please note that this credit score estimator isn’t entirely accurate. It is mainly for informational purposes only. The more precise score is only on the subscription plan.

Are you tired of opening a browser on your laptop to check your FICO score? You are very welcome to use myFICO Application!

With the existence of the application, it doesn’t offer only convenient but also fast updates! You can check and monitor everything right from your fingertips.

Their application also provides you with many features. It includes FICO scores, insights, a score simulator, alerts, reports, a history graph, credit education, and secure login with a fingerprint.

On top of that, they are compatible with both Android and iPhone. They are ready to download on the Google Play Store and App Store.

This brand currently has 2 kinds of options for pricing. It is a one-time purchase and subscription plan. For one-time purchases, you can check the list below.

• 1-bureau credit report (Choose between Experian / TransUnion / Equifax): $19.95
• 3-bureau credit reports (Experian, TransUnion, and Equifax): $59.85

Moreover, for the subscription plan, they have 3 types of pricing. It is Basic, Advanced, and Premier. Each of the plans has different prices and benefits. Take a closer look at the table below to see the pricing plans.

However, the subscription will automatically renew monthly unless you cancel the plan. The cancellation can be done anytime, but you won’t get any refunds from the brand.

Regarding benefits, this brand’s service is absolutely on the top list. Although their primary service is providing FICO scores, they still have more! One of each is providing the customer protection they deserve.

As you can see in the pricing tables, there are plenty of benefits that you can enjoy after subscribing to their plans. On top of that, we also provide benefits for lenders and the borrower in the table below.

All parties that use the service from this brand will eventually get the benefits according to their need. Therefore, you can trust their service if you face loan and credit issues.

Providing an excellent service you are probably wondering now how the service works. However, to start using their service, you must complete several procedures. Kindly check each step on the following list. 

• First, go to myFICO website.
• Then, click the Start Plan button on top of the website.
• Next, you will see 2 types of pricing. It is a subscription plan and a one-time purchase.
• After deciding on your plan, click ‘Start a plan’ or ‘Buy a report.’
• Create an account or log in if you already have the account by entering your email address and password.
• Enter your information details like name, social security number, address, and date of birth, then click ‘Continue.’
• Review and click on ‘Submit’.
• At this step, myFICO will verify your account and confirm.
• Lastly, you can start to use their service!

Many people in forums like Reddit compare this brand with their similar competitor, Experian. However, we have already summed up and noticed their differences. Kindly check the following table.

Since confidential credit information is included in the process, you probably need the pros and cons of this brand. That’s okay. We all agree with your concerns. Thus, we hope these pros and cons can help you understand better before subscribing to the plan.

This brand is perfect to use by lenders, insurers, or borrowers. This is because they provide FICO scores from 3 bureaus simultaneously. Lenders and insurers use the score to give the borrower a loan. Otherwise, the borrowers use the scores to monitor and prepare for loans.

MyFICO is also perfect for everyone who needs to check their credit scores or monitor their credit for fraud signs. Or else, when dealing with activities requiring a FICO score, their service must be for you!

This brand has already helped millions of people to protect their financial health since 2001. The brand also being an official part of FICO, a company that invented FICO scores. Thus, myFICO is 100% legit.

Additionally, one of their feature, theft insurance, is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Plus, their security is on a bank level. Thus, it will secure your confidential data.

It is the right time to discover what customers say about the service. We gladly found that there have been 22.7K reviews on the App Store regarding this service. For your information, they got a 4.8/5.

Let’s start with the first review. This customer said:

I’m happy that I can look at all of my scores in one place. It is convenient! Plus, the information on the forums is insightful

This customer feels delighted that this service has a great feature. It can help her to find out the scores from more than 1 bureau in one place. Also, since this service has an active forum on their website, she can get the information she needs.

Next, see what this customer said about the score.

The mortgage credit scores I checked from myFICO and the banks were only 1 point difference

From the review above, it is clear that the FICO scores provided by myFICO are accurate. It is hard to get 1 1-point difference between the bank and the FICO scores checker since not all credit report data and transactions are monitored.

Now, what did this customer say about the reports? Let’s find out below.

The information in my reports is rich. It helps me identify and resolve my credit issue as quickly as possible.

One of the benefits of using myFICO is that you can get detailed information about your credits in your reports. As the customer above experienced, he can quickly find out the issues and resolve them as soon as possible.

To sum up, we can say that all of the customers are satisfied with the service this brand has. This is because they can detect the issues of their credits faster. Also, the scores provided are accurate, and they love every feature that simplifies checking FICO scores.

90% of top lenders use FICO scores for their decision-makers. However, since different bureaus have different FICO scores, it isn’t easy to check them simultaneously. myFICO exists as a problem solver. They provide scores from 3-bureau in one place. Thus, myFICO is absolutely worth it!

Likewise, they also have great features other than just checking FICO scores. It is a Credit report, score and credit monitoring, $1 million identity theft insurance, 24×7 identity restoration, and identity monitoring. Full package!

Need to talk to their customer service? You can use several ways below to reach out to their customer support. However, remember that they are available from Monday to Friday (6 a.m. – 6 p.m.) and Saturday (7 a.m. to 4 p.m.) Pacific Time.

• Phone number: 1-800-319-4433
• Form: Contact US