*Requires paid service*
myFICO is the official FICO® credit monitoring app and features the FICO® Score, which is used by 90 of the top 100 largest U.S. financial institutions to make consumer credit decisions.
View and monitor your FICO® Scores and full credit reports based on data from the three largest credit bureaus – Experian, TransUnion and Equifax. Monitor your identity and get notifications on your iPhone.
• FICO® Scores – Check your FICO Scores while on the go, including versions used in mortgage, auto and credit card lending
• Insights – Learn how your credit history affects your FICO Scores
• FICO Score Simulator – Explore how different actions could affect your FICO Scores
• Alerts – Monitor your credit and identity, including optional push notifications
• Reports – Instantly access your credit reports and credit data
• Score History Graph – Track your FICO Score 8 over time
• Credit Education – Explore videos and educational content to learn about credit and FICO Scores
• Touch ID/Face ID support (Requires PIN Setup)
• Check the rates you could get for mortgage and auto loans based on your FICO Score
Certain features are available only with eligible myFICO subscriptions. Learn more at www.myfico.com.
- Email links now open in app
- Bug fixes and stability enhancements
Ratings and Reviews
Great if looking for a house
We are in process of buying a home and this app (it’s a paid service) gave us the exact info we needed across all three bureaus. Was able to clean up some negative stuff and they updated any changed info along the way. One of my scores does not reflect the actual since changes on my end and I think the subscription only “checks” for an update once a month, but for the most part if something major changes the bureaus usually report it an it’s takes effect almost immediately. Happy with this app an service and yes I do recommend if your serious about fixing your credit or buying a house or car
No free option
I’ve been using credit karma for a while and have been happy with the way it immediately keeps you up to date on credit scores, but I’ve found that my FICO score is about 50 points higher than what credit karma shows because FICO is a more complete snapshot of your credit history. I get free FICO scores through my Discover card, but I was hoping for a more complete picture by going directly through FICO. Once I downloaded the app I found that there is no Free option to see your credit score. I don’t feel it necessary to spend hundreds of dollars a year, unless maybe I was buying a new house or something, but even then it seems unnecessary when you can get one free copy of your credit report each year directly from the provider(trans union experience etc). I feel the app is misleading by never mentioning that there is no free version. It only mentions that “some services” are only available with a subscription. I tried calling the 800 number but gave up after lengthy hold time. I don’t want to say this app is a scam, but it really doesn’t provide any value for service.
Developer Response ,
Thank you for your feedback. We have updated our description to more clearly inform users that this app requires paid service.
I find this tool very handy for keeping up with what’s going on behind the scenes with my credit and creditors.
I let my subscription lapse not realizing that I did that (because I moved & bought a house) and recently re-subscribe and I’m so glad I did.
I’ve worked very hard to get a good credit score so I could buy my first home then after I bought my home I got credit cards and maxed them out over time, which brought my FICO down so now I’m in the process of paying those off and I need to keep my eyes on everything so I can make sure it’s correct.
This app helps me manage my affairs!
With Family Sharing set up, up to six family members can use this app.