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myFICO - Credit Score Tracking

myFICO - Credit Score Tracking

Get & Track Your Credit Report

49K ratings
188 reviews
With Ads#170 in free Finance
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • October 9, 2013
  • July 16, 2026

Features

Developer

Fair Isaac Corporation
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About

Access and monitor your FICO Scores and credit reports from all three major bureaus. Understand how your credit history impacts your scores and explore potential changes with a simulator. Receive alerts for detected changes and access educational content to improve your credit.

✓View FICO Scores
✓Compare credit reports
✓Monitor credit changes
✓FICO Score Simulator
✓Credit education content
✓Score history tracking
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What users say

Summarized from real user reviews of myFICO. Based on 49K reviews and a 4.8/5 average, it highlights the 4 positives and 4 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Keeps you updated on credit changes
  • 🔒Provides accurate FICO scores
  • 👍Helpful for home/car purchases
  • 💡Useful credit monitoring and analysis tools

Negative things

  • 🐛Inconsistent/inaccurate score reporting
  • 💰Expensive subscription fees
  • 🔍Lacks detailed credit information
  • 🔁Frequent log-outs and identity verifications
See all reviews
+1

What's New in myFICO

4.0.21

July 16, 2026

Bug fixes & performance improvements

Charts

Top Free

📊 170

Finance

The app has maintained its position at 170 recently.

Last updated on July 20, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Fails to log in

Since the last update, the app will not log in. After pressing the button to log in, the app hangs. Pressing multiple times locked my account.
kupczakbkupczakb

Reliable service

The Fico app has been my go to for my credit monitoring and most recent updates on my scores. I love this app and would highly recommend using it!
Nic1414!!Nic1414!!

What a Joke

Why would I pay to get my score or track it when I can do it for free? 😂
jmbdoc98jmbdoc98

Charged me $40 and didn’t give me access to my information.

Paid for the Premium Subscription and when I logged in for the first time it was asking me to pay again. Spent 30 mins on the phone with customer “support” and they just told me it was a payment “hold” and that they’ve never seen this before. I wasn’t given access to my credit info they just told me to wait it out. No accountability. I used to use this service years ago and regret recommending it to so many people. Steer clear!
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Don DuvalierDon Duvalier

True Scores

Fico is the real true score that you can get for Mortgages, Auto loan, credit cards and personal loan. The app has all fico modules from fico 2,3,4,8,9,10 and 10T. I don’t regret getting this app and will never change it for Credit Karma or none of dose other fake credit app that give you False information
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Elvergon9403Elvergon9403
See 183 more reviews

Developer apps

FICO Banking
FICO Banking

by Fair Isaac Corporation

💰 Finance

(1)

Free
FICO Events
FICO Events

by Fair Isaac Corporation

💼 Business

(1)

Free
See developer apps

User experience

🐞

Reported Bugs

3 issues

Score screen glitches and displays incorrect information

Bug

Face ID/biometric login not working on newer devices

Bug

Subscription issues with payments and account access

Bug
✨

Requested Features

4 requests

Provide more detailed credit report information

Feature

Offer a free trial or lower-cost subscription option

Feature

Improve app stability and reduce glitches

Feature

Add ability to dispute items directly from the app

Feature

FAQ

What does the myFICO app do?

The myFICO app allows you to access and monitor your FICO Scores and credit reports from Experian, TransUnion, and Equifax. It helps you understand how your credit history affects your scores and provides tools like a simulator to see how different actions might impact them. You can also receive alerts for changes and access educational resources about credit.

How can I check my FICO Score with this app?

You can check your FICO Scores directly within the myFICO app. The app provides access to versions of your FICO Score used in mortgage, auto, and credit card lending. Checking your own credit score through the app will not negatively impact your score.

Is the myFICO app free to use?

The app itself is free to download and use for basic credit score monitoring. However, certain advanced features are only available with eligible myFICO subscriptions. More information about these subscriptions can be found on the myFICO website.

What credit bureaus does the app use?

The app provides access to your credit reports and FICO Scores from all three major credit bureaus: Experian, TransUnion, and Equifax. You can compare your information from these bureaus side-by-side within the application.

Can I see how my credit score might change?

Yes, the app features a FICO Score Simulator. This tool allows you to explore how different financial actions or changes to your credit history could potentially affect your FICO Scores, helping you make informed decisions about managing your credit.