myFICO Review (2026)
myFICO is FICO's own consumer service, for borrowers who want the FICO score versions lenders use, including mortgage, auto and credit card scores. The one thing to know: there is a free plan (FICO Score 8 from Equifax, monthly), but paid plans bill monthly with no refunds, and the $29.95 Advanced plan refreshes three-bureau scores only every 3 months. Paid plans cost $19.95, $29.95 or $39.95 a month.
By Wealthy Pot Editorial · Facts checked October 19, 2026
Facts checked October 19, 2026 against myFICO's own pricing, help and policy pages (6 sources, listed below). We re-check prices about once a month. We do not earn a commission from FICO (myFICO).
myFICO at a glance
| Free plan | FICO Score 8 and Equifax credit report, updated monthly, with Equifax score and credit monitoring; no credit card required [1] |
|---|---|
| Basic | $19.95 a month: Experian report and FICO scores, including mortgage, auto and bankcard versions, updated monthly; FICO 8 simulator; credit monitoring; no identity monitoring [1] |
| Advanced | $29.95 a month: three-bureau reports and FICO scores updated every 3 months, plus identity monitoring [1] |
| Premier | $39.95 a month: three-bureau reports and FICO scores updated monthly, FICO 8 and mortgage (FICO 2 and 4) simulators, identity monitoring [1] |
| Billing and refunds | Monthly only, no yearly plan; "Cancel anytime, no refunds" [1] |
| One-time reports | 1-bureau report with FICO scores $19.95; 3-bureau report $59.85; viewable for 30 days [2] |
| Score models | Every plan includes FICO Score 8; paid plans add industry versions such as FICO mortgage scores (2, 4, 5), FICO Auto and FICO Bankcard [1] |
| Bureaus | Equifax (Free); Experian (Basic); Experian, Equifax and TransUnion (Advanced, Premier) [1] |
| Insurance | Up to $1 million on Basic, Advanced and Premier; underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company [1] |
| Restoration | 24x7 identity restoration and lost wallet help on paid plans [1] |
| How it makes money | Subscriptions and one-time report sales; the site also has a Loans and Offers section [1] |
| Company | Consumer division of Fair Isaac Corporation (FICO), launched in 2001; US support at 800-319-4433 [1] |
What myFICO costs
| Plan | Paying monthly, 1 year | Annual plan, 1 year | 3 years (cheapest way) |
|---|---|---|---|
| FreeEquifax, monthly | $0 | - | $0 |
| BasicExperian only, monthly updates | $239.40 | - | $718.20 |
| Advanced3 bureaus, updates every 3 months | $359.40 | - | $1,078.20 |
| Premier3 bureaus, monthly updates | $479.40 | - | $1,438.20 |
Our arithmetic from the listed prices, before sales tax, assuming today's prices hold; subscriptions can renew at a different rate. myFICO bills every plan monthly and has no yearly plan. You can cancel at any time, but refunds are not available. A one-time 3-bureau report costs $59.85 and a 1-bureau report $19.95, with no subscription.
How myFICO works
myFICO is run by FICO, the company behind the FICO score. The free plan shows a FICO Score 8 and your Equifax report once a month and monitors your Equifax file, with no card needed. Paid plans add the industry versions lenders use for specific loans: FICO mortgage scores (versions 2, 4 and 5), FICO Auto and FICO Bankcard scores. The FTC says the FICO score is the one most lenders use, and that scoring systems differ, so these versions can come out different from your FICO Score 8. Our guide to FICO score factors explains what drives them.
The plans differ by bureau and refresh rate. Basic ($19.95) covers Experian only, monthly, with credit monitoring but no identity monitoring. Advanced ($29.95) covers all three bureaus, but its reports and scores update only every 3 months. Premier ($39.95) covers all three monthly and adds a mortgage-score simulator. Every paid plan includes up to $1 million of identity theft insurance from American Bankers Insurance Company of Florida, an Assurant company, covering expense reimbursement and unauthorized electronic fund transfers; that is a policy limit, not a payout promise. Some protection is free by law: a credit freeze at each bureau costs nothing and lasts until you lift it, a fraud alert is free for one year (seven years extended for identity theft victims), and AnnualCreditReport.com gives you free weekly reports from all three bureaus.
A hypothetical mortgage shopper who wants three-bureau FICO scores for a few months: Premier for 3 months costs $39.95 x 3 = $119.85, with monthly updates. A single 3-bureau report costs $59.85 and stays viewable for 30 days. Keeping Premier for a year would cost $39.95 x 12 = $479.40, and since myFICO gives no refunds, cancel before the next billing date if you only need it while you apply.
Pros
- FICO's own service, with mortgage, auto and bankcard FICO versions on paid plans
- Free FICO Score 8 from Equifax with no card required
- One-time reports with no subscription, from $19.95
- Up to $1 million of insurance and 24x7 restoration on every paid plan
- Privacy policy says myFICO does not sell personal data
Cons
- Monthly billing only, and no refunds
- Advanced refreshes three-bureau scores only every 3 months
- Basic covers Experian only and has no identity monitoring
- Free plan updates once a month
Who myFICO fits, and who should skip it
A good fit if
- You are about to apply for a mortgage or car loan and want the FICO versions those lenders use.
- You want a free FICO Score 8 from Equifax, the bureau many free apps leave out.
- You want three-bureau FICO scores in one place from FICO itself.
Look elsewhere if
- You want a free score updated more than once a month: Experian shows a free FICO Score 8, updated daily on sign-in.
- You want a yearly plan or a refund window: myFICO has neither; Aura sells yearly billing.
- You only want free daily reports from two bureaus: Credit Karma.
Limitations to know
- Refunds are not available: "You may cancel at any time; however, refunds are not available." [1]
- Advanced costs $29.95 a month but updates its three-bureau reports and scores every 3 months; Premier updates monthly. [1]
- Identity monitoring is on Advanced and Premier only, not Basic. [1]
- The mortgage-score (FICO 2 and 4) simulator is on Premier only. [1]
- You can check all three of your full reports free every week at AnnualCreditReport.com, the only site authorized for the free reports. [5]
myFICO compared with alternatives
| Service | Free tier | Price | Score shown | ID-theft insurance |
|---|---|---|---|---|
| myFICO | Free: FICO Score 8 from Equifax, monthly | Basic $19.95/mo, Advanced $29.95/mo, Premier $39.95/mo | FICO Score 8 plus industry FICO versions (paid) | $1M (paid plans) |
| Experian | Free FICO Score 8 and Experian report, no card needed | Core $4.99/mo ($49.99/yr), Plus $14.99/mo ($149/yr), Premium $24.99/mo ($249.99/yr) | FICO Score 8 (Experian data) | $100K (Core), $500K (Plus), $1M (Premium) |
| Capital One CreditWise | Fully free, no Capital One account needed | Free | FICO Score 8 (TransUnion data) | None |
| Credit Karma | Fully free: scores, reports, alerts (no paid tier) | Free | VantageScore 3.0 (not FICO) | None |
- Pick Experian if you want a free FICO Score 8 updated daily, with cheaper paid tiers.
- Pick Capital One CreditWise if you want a free FICO Score 8 from TransUnion with alerts that cover Experian too.
- Pick Credit Karma if you only need free daily reports from TransUnion and Equifax.
Security and privacy
- myFICO's privacy policy (effective July 2026) says: "We do not sell personal data and have not sold personal data during the last 12 months." It says it does not share data for targeted advertising without consent where consent is required. [3]
- The FTC warns that free scores can come with paid monitoring sign-ups. myFICO's free plan needs no credit card. [6]
- A credit freeze at each bureau is free and lasts until you lift it; myFICO does not place one for you. [4]
myFICO FAQ
Is myFICO free?
There is a free plan: a FICO Score 8 and Equifax report, updated monthly, with Equifax monitoring and no card required. The paid plans cost $19.95, $29.95 or $39.95 a month.
Is myFICO accurate?
myFICO shows real FICO scores calculated by FICO, including the mortgage, auto and bankcard versions on paid plans. A lender may still see a different number if it uses a different bureau or a different FICO version. See <a href="/what-is-a-good-credit-score/">what is a good credit score</a>.
How much does myFICO cost?
Basic is $19.95 a month, Advanced $29.95 and Premier $39.95, billed monthly with no refunds. A one-time 1-bureau report is $19.95 and a 3-bureau report $59.85.
myFICO vs Experian?
Both show a free FICO Score 8: myFICO from Equifax monthly, <a href="/credit-monitoring/experian/">Experian</a> from Experian daily on sign-in. Experian's paid tiers start at $4.99 a month; myFICO's start at $19.95 and add industry FICO versions, with all three bureaus on Advanced and Premier.
Is myFICO worth it?
For most people the free plan is enough. A paid month can make sense right before a mortgage or auto loan application, when the industry FICO versions matter; cancel before the next bill, since there are no refunds. See <a href="/tips-to-increase-credit-score/">tips to raise your score</a>.
How we researched this review
We did not get paid or receive a free account for this page. We read myFICO's own pricing page, help center, security and privacy pages and app-store listing on October 19, 2026, quoted each fact from those pages, and link every one below. We did not run a long-term hands-on test, so we do not score the app; where a point rests on what the company says rather than something we can check, we attribute it to myFICO. Cost figures are our own arithmetic. We re-check prices and plans about once a month and log changes in the table above.
Sources
- myFICO, FICO Score plans, checked October 19, 2026.
- myFICO, FICO Score credit reports (one-time purchase), checked October 19, 2026.
- myFICO, Privacy policy (effective July 2026), checked October 19, 2026.
- FTC, Credit freezes and fraud alerts (updated August 2025), checked October 19, 2026.
- FTC, Free credit reports (updated June 2026), checked October 19, 2026.
- FTC, Credit scores (updated September 2024), checked October 19, 2026.
This review is general information, not financial or legal advice. A credit freeze at each bureau and weekly reports from AnnualCreditReport.com are free under federal rules; a paid service adds alerts, insurance and help, not protection you cannot get yourself.