To get the famous FICO®, you must pay for access. Let’s dig in and see what we can find for this review.

What Is myFICO?

MyFICO was created by the originators of the FICO score, the Fair Isacc Corporation.

myFICO is a credit report and score monitoring services. However, unlike services such as Credit Sesame and Credit Karma, myFICO offers you the well known FICO® score rather than other scores like the VantageScore®.

myFICO also tracks changes in various aspects of your financial life. Therefore, the service also acts as a first defense against identity theft, overwhelming credit card debt, and other financial issues you may face down the road. In order to get your score, you’ll pay a one-time fee or subscribe to a monthly service to get your FICO® score from the creators of it.

Is myFICO a scam?

MyFICO is not a scam and is a legitimate offer from the makers of the FICO score.

MyFICO credit report and FICO score offers

MyFICO does not offer free credit reports or credit scores. Depending on your credit monitoring needs, they have a few paid options to choose from.

An important note from myFICO: “All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO or another type of credit score altogether.”

Here is what myFICO has to offer:

FICO® 1B Report and Score (one-time with 30-day access)

Get your one-time report and score from Experian, Equifax, and TransUnion or from all 3 credit bureaus.

  • FICO® Score 8
  • 10 FICO® Scores
  • Experian, Equifax, or TransUnion credit report
  • FICO® Score Simulator based on Experian, Equifax, or TransUnion data
  • FICO® Score analysis


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