myFICO Review (2026)
myFICO is the only consumer service that provides your actual FICO Scores — the scores used by 90% of top lenders — from all three bureaus, including industry-specific scores for auto loans, mortgages, and credit cards.
Disclosure: This review contains affiliate links — we may earn a commission if you purchase through them, at no extra cost to you. Learn more
Pros & Cons
What We Like
- Only service providing genuine FICO Scores (not VantageScore estimates) from all three bureaus
- Industry-specific FICO Scores for auto, mortgage, and credit card applications
- Three-bureau credit report monitoring with real-time alerts
- Score Simulator shows how financial decisions affect your FICO Score
- Identity theft insurance up to $1 million on Advanced and Premier plans
What Could Be Better
- Most expensive credit monitoring service — Premier plan is $39.95/month
- Interface is functional but not as modern as competitors
- Overkill for consumers not actively applying for credit
Key Features
28 FICO Score Versions
Access all major FICO Score versions including industry-specific scores for auto loans, mortgages, and credit cards.
Three-Bureau Monitoring
Real-time alerts for changes to your Equifax, Experian, and TransUnion credit files.
Score Simulator
Model how paying off debt, opening new accounts, or missing payments would affect your FICO Scores.
Identity Theft Insurance
Up to $1 million in identity theft insurance on Advanced and Premier plans.
Our Verdict
myFICO is the right choice for consumers who are actively applying for a mortgage, auto loan, or major credit product and need to know their exact FICO Scores — not VantageScore estimates. The industry-specific scores are uniquely valuable when you're preparing for a major loan application. For general credit monitoring, more affordable options exist.
What Other Reviewers Say
The following quotes are credited to their original sources and are not written by Safety 1st Consumer Protection.
"myFICO is the gold standard for consumers who need accurate FICO Scores before a major loan application. The industry-specific scores are uniquely valuable, though the price is steep for general credit monitoring."
"myFICO provides the most accurate credit scores available to consumers. If you're preparing for a mortgage or major loan, the industry-specific FICO Scores justify the higher price."
More Reviews
Identity Protection
LifeLock Standard
Antivirus & Security Suite
Norton 360 Deluxe
VPN
NordVPN
Password Manager
1Password
Antivirus & Security Suite
McAfee Total Protection
Antivirus & Security Suite
Bitdefender Total Security
VPN
ExpressVPN
Password Manager
Dashlane
Identity Protection
Aura
Antivirus & Security Suite
Malwarebytes Premium
VPN
Surfshark
Password Manager
Keeper Password Manager
Identity Protection
IDShield
Antivirus & Security Suite
Trend Micro Maximum Security
Password Manager
Bitwarden
Identity Protection
Identity Guard
Credit Monitoring
Experian IdentityWorks
Credit Monitoring
TransUnion Credit Monitoring
Credit Monitoring
Credit Karma
Identity Protection
IdentityForce UltraSecure+Credit
Identity Protection
Zander Insurance Identity Theft Protection
Credit Monitoring
CreditWise by Capital One
Identity Protection
Complete ID (Costco)
Parental Controls
Bark
Parental Controls
Circle Home Plus
Parental Controls
Qustodio
Parental Controls
Norton Family
Parental Controls
Kaspersky Safe Kids
Parental Controls
Google Family Link
Parental Controls
FamiSafe
Parental Controls
Net Nanny
Home Network Security
eero Pro 6E
Home Network Security
Firewalla Gold Pro
Home Network Security
Netgear Orbi 960
Home Network Security
ASUS ZenWiFi Pro ET12
Home Network Security
Bitdefender Box
Home Network Security
TP-Link Deco XE75
Home Network Security
Gryphon Tower
Email Privacy
Proton Mail
Email Privacy
SimpleLogin
Phone Privacy
RoboKiller
Mail Security
USPS Informed Delivery
Phone Privacy
Hiya
Email Privacy
Blur by Abine
Financial Privacy
Privacy.com
Mobile Security
Lookout Mobile Security
Mobile Security
Bitdefender Mobile Security
Mobile Security
Norton Mobile Security
Mobile Security
Malwarebytes for Mobile
Mobile Security
Kaspersky Mobile Security
Mobile Security
Google Pixel Security Features
Mobile Security
iPhone Security Features
Mobile Security
GrapheneOS
Data Removal
DeleteMe
Data Removal
Incogni
Data Removal
Optery
Data Removal
Mozilla Monitor Plus
Data Removal
Privacy Bee
Data Removal
Kanary
Data Removal
Aura Privacy Manager
Identity Protection
Allstate Identity Protection
Identity Protection
PrivacyGuard
Identity Protection
ReliaShield
Identity Protection
TransUnion TrueIdentity
Identity Protection
Experian IdentityWorks Premium
Antivirus & Security Suite
ESET NOD32 Antivirus
Antivirus & Security Suite
Webroot SecureAnywhere
Antivirus & Security Suite
Avast One
Antivirus & Security Suite