myFICO review

myFICO is FICO's own consumer service and the one to pick when the exact score version matters. The free plan covers one bureau, Equifax, with FICO Score 8 updates every month and no credit card required. Basic at $19.95 a month switches to Experian coverage and adds FICO Scores for mortgages, auto loans and more, a FICO Score 8 simulator, up to $1 million identity theft insurance and 24x7 identity restoration. Advanced at $29.95 covers all three bureaus with updates every 3 months and adds identity monitoring. Premier at $39.95 covers three bureaus every month and adds a simulator for FICO Score 2 and 4, the versions used by mortgage lenders. That last feature is the reason house hunters pay. The costs are real: myFICO is the most expensive app on this list, subscriptions renew monthly, and FICO states that refunds are not available after you cancel.

Who it is for

home buyers who need the FICO versions lenders pull

Price

Free Equifax plan; Basic $19.95, Advanced $29.95 and Premier $39.95 per month.

Automatically renews at $19.95/month. Cancel anytime, no refunds.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Free plan with 1-bureau Equifax FICO Score 8, updated monthly
• Basic adds Experian scores for mortgages, auto loans and more plus a FICO Score 8 simulator
• Advanced covers 3 bureaus with updates every 3 months
• Premier covers 3 bureaus monthly and adds a simulator for FICO Score 2 and 4 used by mortgage lenders
• Up to $1 million identity theft insurance and 24x7 identity restoration on paid plans

Strengths and weaknesses

• Strength: Only app here selling FICO mortgage score versions
• Strength: Free plan needs no credit card
• Strength: Paid plans include identity restoration
• Weakness: Paid plans start at $19.95 per month
• Weakness: No refunds after you cancel
• Weakness: Free plan has no score simulator or industry scores

Key facts

• Free plan: Equifax FICO Score 8, monthly
• Basic: $19.95 per month
• Premier: $39.95 per month, 3 bureaus monthly
• Refunds: None after cancellation

Where it ranks

myFICO is No. 7 in our Best Credit Score Apps verdict.