myFICO - Official FICO® Scores

myFICO - Official FICO® Scores

  • Category: Finance
  • Release Date:
  • Current Version: 3.0.4
  • Adult Rating: 4+
  • Developer: FICO
  • Compatibility: Android
  • Links: Google Play Store
26,854 Ratings
$ 0

myFICO - Official FICO® Scores App

*Requires paid service* *Note that versions 3.0 and later have improved VoiceOver (accessibility) implementation.* 90% of top lenders use FICO® Scores– do you know yours? Get your FICO Score, from FICO. Compare your FICO Scores and credit reports from all 3 bureaus—Experian, TransUnion, and Equifax—side-by-side and get the right credit score for your goal. And don’t worry– checking your own credit will not hurt your score. Although they may look the same, other credit scores can vary as much as 100 points from your FICO Score. With myFICO, you can view and monitor your FICO Scores and credit reports right from your fingertips. You'll get alerts on your iOS device when changes are detected. Features • 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 • 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 • Fast and secure login with fingerprint, face or other biometric (on supported devices) plus 2-Step Verification option Certain features are available only with eligible myFICO subscriptions. Learn more at

myFICO - Official FICO® Scores app screenshots

myFICO - Official FICO® Scores app reviews

  • Carísima 1/5

    By jeruhsid
    Pagar 29.95 por algo que debe ser gratis JAMÁS
  • MyFICO is a total scam 1/5

    By Adreannaneace
    MyFICO scores are almost 100 points below my actual Equifax, Transunion and Experian score. I've done everything to bring up my credit the past year and while my scores continue to raise on the Equifax, Experian and Transunion apps it drops on MyFICO. Increased my credit limit by 20k, paid off debt, had lawyer remove all negative comments... yet MyFICO plummets while the actual scores go up. I was told that maybe I needed to pay to refresh my data (even though I pay $39 a month and the score drops DAILY) so I spent an addition $100 on new reports this month and they just continue to drop for no reason. Having lawyer take over at this point. So sad the American people have to work a total scam to buy a home!
  • Bug? 4/5

    By JulienWA
    When I tap the “Versions” button it crashes the app. I love the new look otherwise though.
  • Version 3 is a good, not great, but beautiful improvement 3/5

    By nativeTexanATX
    With the release of Version 3, this is a great step in the right direction. The UI has been refined a good bit, which improves the overall UX. The changes are very polished and Face ID is much faster, which is a welcome fix. I also like the new "Score History Table" feature; that is very useful. However, there are still two issues with Version 3: 1. FICO 9 is still under "Other Loans". FICO 9 should be on the main UI right above FICO 8. (FICO 9 is the newest, and while it may not be as heavily used right, it is increasing in usage.) Put FICO 9 on the home screen right above FICO 8. Add an explanation that FICO 9 is the newest or something. 2. The FICO 10 and 10T scores are still missing. Here's an idea that fits in the 21st century: allow us to "swipe" through the various scores. You can default to FICO 8, but allow swiping left and right on that tile on the "Scores" page. (FICO 8 -> FICO 9 -> FICO 10 -> FICO 10T -> back again)
  • A One Look App 1/5

    By BibleSavant
    When you first purchase this app it seems like an incredible tool. Your FICO scores in various forms, and many useful pieces of information. After a week you realize that everything you have already seen the first day, never changes, is not updated. Not until a month later when they charge you the monthly fee again, and you get only one look with no updates for another month. I paid $40 for the premium service. It was a complete waste of money. All this information can be obtained for free online.
  • Paid 1/5

    By Kevin Clay
  • No Free Option 1/5

    By AngryAtTarget2021
    Should at least be free to join the forums. Y’all want money out the gate, no trial no nothing, I’m cool smh!
  • Waste of money 1/5

    By jrflow20
    I’ve had this app for months and paid for the package that gave you monthly updates. I wasted so much money thinking that I was actively monitoring my credit and receiving “accurate” scores. Well here’s the truth, these scores are NOT accurate. I had my credit pulled by a bank and my score was nothing compared to what this app showed me. It’s all a big SCAM. Save your money because no bank or loan company is going to pull the numbers they show you.
  • Data is corrupt 1/5

    By Jagiammona
    iPhone app data does not match desktop version data. CS said I just shouldn’t use the app.
  • No Info 1/5

    By Mmarkert99
    You tons tons of alerts and updates about accounts in your credit report that changed, but the app provides no info about what changed. Totally pointless.
  • Ipad app is broken 1/5

    By Mini iPad Man
    I reported this issue a year ago and it STILL has never been fixed! I used to enjoy this app and while it still works on my Android phone, for many months now, and STILL with no fix, upon opening the app on iPad it just blinks continuously, non stop and doesn’t allow you to do anything on it. The only way I’ve found to stop this is to uninstall the app, and reinstall, then it will work, for a while and then start acting up again and I have to repeat the entire uninstall and set up process all over again. This is a horrible user experience and I can’t believe an update still hasn’t been pushed yet to fix this. This is completely horrible on iOS!!!!
  • Inaccurate information 1/5

    By Blessedmama11$
    Waste of my money. I will be canceling my monthly subscription I just signed up for.
  • Waste 1/5

    By HYFR2003
  • app no longer showing scores 1/5

    By kk480
    App is now broken and my scores are all blank. My last 3b report was May 4th, 2021 and that is missing too. My settings page appears correctly but nothing else! I even tried to log out and back in, but it did not work. I restarted phone, and still nothing.
  • Pointless 2/5

    By Lala101608
    I don’t pay for the subscription, so it’s a free monitoring account, but it is 6/1/21 and my scores haven’t updated since April 2021. What kind of monitoring is going on when I have t seen any updates in 2 months!? Might as well just rely on Credit Karma or Credit Sesame.
  • Buggy app, unusable 1/5

    By Scottyr76
    I’ve been trying to use this app for over a month now and it’s pretty much unusable. I have to just go to the website to use my subscription. Tried on multiple devices and I get a flashing screen like it’s trying to constantly refresh. They have made multiple updates and still has the same issue. MyFICO is a great service and is well worth the subscription but the app is terrible.
  • 2 out of three Credit Reports way out of Date 1/5

    By RG in LA
    I’ve used this app for several years now and use the paid service. The only report they pay attention to and keep current is Transunion. Equafax and Experian reports are not updated since 2014. Would you trust a 6 year old credit report? This does not make FICO look good as a trusted source for credit scores.
  • Great when buying a home 5/5

    By DarrenPA72
    I’ve been using this app for a few years now. When I was in the process of buying a home, I knew my credit score, and what to expect in terms of interest rate. My lender was impressed. My goal was to use this app until I purchased my home, but with the alerting and up to date information concerning my credit, I think it’s worth keeping. This app gives me a peace of mind knowing my credit score from the 3 major credit agencies.
  • When is the next update?? 2/5

    By Lookin for a way out
    Ok why does this app not tell you when it will update next???
  • Ashley 1/5

    By A.Short89
    HORRIBLE SERVICE!!!!! I would give 0 stars. This company took my money and then locked me out the account, just to send me a email in 7 days to verify my identity. So why take my money for a service that you clearly cannot use. TERRIBLE SERVICE
  • This is very bad 1/5

    By TheAlexHawk
    If I could give this 0 stars I would. I entered my debit card info in the first 2 times and it said that it was incorrect... I entered a third time and it went through except it got stuck on the processing screen. I exited the app and opened it back up and it was asking me to log in, I logged in now it’s asking me to pay for a plan... I already payed for a plan and also it charged me 3 times including the ones where it said my card info was wrong. So now I’ve been charged 3 times and it’s still asking me to pay for a plan as if I didn’t.
  • Over-processing 1/5

    By IJustWantTacos
    I signed up and selected a charged me 5x. Then when I log into the app, it says no plan was selected and prompts me to select a plan and enter my card information again. Only had the app 5 mins and it’s already a bad experience
  • No free option 1/5

    By Meowington Hax
    What a messed up system we have where so many parts of your life revolve around a credit score, determined by nongovernmental agencies that then make you pay just to know what your own score is. $90 per report for one option, $50 per report if you want them more frequently. What an absolute joke. Highway robbery.
  • Doesn’t deliver - use the credit karma app for free 1/5

    By Boscott73
    This app was suppose to deliver updated fico scores that mortgage companies use - I bought a month subscription and found the scores to be entirely different than the ones my mortgage banker shared with me. Use the credit karma app for free and just deduct about 30 points from that’s core and you’ll have your other scores related to auto / mortgage and credit cards. Pretty easy, accurate, timely and you DO NOT need to pend money on this app!
  • On Fire 5/5

    By Pepper Curry
    I love love love MyFICO app however what need to be improved it the mortgage, auto and credit card updates, it takes 5 to 6 months to know what the mortgage score is. Other than that it’s phenomenal.
  • The app is fine, the service is not. 2/5

    By zodiaccat
    The app functions as intended, and is easy enough to use. The problem is that the service it’s attached to is far less useful than it needs to be. For between $30 and $50 per month (depending on the plan), the scores I’m reading need to be accurate to what a lender is using, and it’s just not. Fair Isaac even acknowledges this, instead claiming that the score displayed is ‘accurate enough,’ but different from a lenders score. That makes it no better than reading a VantageScore, or one of the fly-by-night scorers.
  • For Anyone Who Wants All The Details 5/5

    By financeguy123
    Pros: -All three scores in one place -Scores Fico 8,9,2,4,5; Auto lending Fico scores, mortgage Fico scores, etc... -Fico 8 scores update as often weekly if your credit changes. Cons: -$40 bucks per month -$50 bucks to get an early report -Only Fico 8 score updates weekly. To see updates to the rest, you have to buy another $50 report. Overall: This is the most comprehensive credit monitoring interface I have ever used. I’m hooked. Live it!
  • Absolute TRASH app took my money no help from customer service 1/5

    By A-game INK.
    Signed up. My card was charged yet they say I never purchased anything. Escalated to a supervisor. Still no scores or refund. Disputing via my bank. I was so excited to use this app after recommended by my credit cousins but after loosing my money and hours out my day with no resolve they don’t have to worry about my business. I LOVE EXPERIAN! Idk why I was trying to find something better 🙄
  • Too expensive 1/5

    By Hfhjjvcjk
    Free version sends constant emails and notifications about score changes, but never updates. Can’t delete account from app
  • Terrible app 1/5

    By Sammy2802
    It asks if you took a car loan from Ukrainian credit union 😂😂😂
  • Great collection of scores, but quarterly?!? 3/5

    By jcoop269
    Obviously the collection of scores this app provided is the best there is. I’ve gotten real sick of thinking I know my scores only to end up finding out it was a different score used. This app provides all the ones that matter for all three bureaus. That aspect is fantastic. But the service and app aren’t perfect. First, for $50/month (Family Advanced), you better believe an update every 3 months ain’t gonna cut it! You’re basically paying $50/month for Fico 8 monitoring, which tons of other services offer for cheaper and do a far better job at it. Which brings me to my second point. At this moment, I also have a subscription with Experian and am watching daily increases to my Fico 8 with them while it hasn’t moved in 3 days with MyFICO. This is unacceptable performance for this cost! Your alerts and then score updates after alerts are weak and need to happen quicker than they are. In my opinion, it makes a lot more sense to pay for one month, cancel, and resubscribe each time just to get an update on everything else monthly. For $50, you bet your last Pringle all scores should be updated on a monthly basis. And on top of that, even if for some insane reason you did want to pay more to get it monthly, there’s no option for monthly updates for families. Update/Subscription Type Changes Mid-Feb. 2021: Decided to kill the Family Advanced and sign up for the individual Premier and it’s no better when it comes to score updates! I had an update to my Experian FICO8 like two weeks ago, 12 point increase, and per the MyFICO app, it’s still the old score AND the worst part is, it indicates a date AFTER the actual 12 point update, that my score was updated on their end. Something isn’t right on their score updating front. I mean FICO owns MyFICO don’t they?! Shouldn’t it be easiest for them to keep our scores up to date for the price we pay for them?! And on top of all this, the Equifax FICO8 will absolutely never update no matter what until your next monthly or quarterly update.
  • Fraud 1/5

    By Megarockstar1975
    Mandatory in-app purchases, not mentioned in the description.
  • Downhill 2/5

    By Cfnickfitnesslyfe
    I first got this credit monitoring and was willing to pay for it because it was worth getting my updates on demand as they changed. Now this is not the case. I’m sorry but there is nothing that sets you apart from competitors. You have officially lost a customer
  • Requires in app purchase to use, not listed within Apple App Store as such 3/5

    By Chric Combo
    Dunno, incomplete marketing
  • Disappointed 1/5

    By makunia
    It’s very expensive ! $21 every month ? For what ? It doesn’t have three major boroughs I am not recommending !
  • A LOT of Glitches 1/5

    By blkqueen29
    When I download a report and click on an account, it stays right on the “accounts” screen and doesn’t show any details. The same happens when using the browser. I can see any details unless I’m logged on a computer. Extremely frustrating
  • Inaccurate and faulty... 2/5

    By Annoyed Guy in DC
    I’m spending way to much time trying to figure things out. Or example, only on a he MyFICO app and experian does it show my credit score is in the low 600s on all credit bureaus for the past 3 months. But for the last two months, I’ve been checking the Equifax and TransUnion apps as well, and they score me at 719 and 721. They more accurately reflect my credit card balances and student loan issues. So I don’t know why I’m paying for conflicting, outdated and inaccurate information. My credit card balance was listed at $7 for nearly 3 months, but when it finally registered that the balance was $0, MyFICO took my score down by -14 points on each bureau. That cannot be right. For a while I was wondering if TransUnion was faulty and they were right, but after checking with my bank (Capital One), they told me I need to do this and that to get that fixed with them, because there’s no reason my score should have gone down. And there’s no reason my scores should be so much lower on the MyFICO app. Experian has as low as 640 there, and Equifax has me at 680, and that gap has been like that for nearly 2 months. The reason I pay for the app, is to make sure all my scores are above 670 before I do something like a new auto loan, but I feel like I’m paying for inaccuracy and it’s been an inconvenience to my finacial goals.
  • Password 1/5

    By PacLovesQuac
    I bought the subscription and was able to view more report. I exited the app. After a few minutes it signed me out. When I tried signing back in with a password I never forget it said incorrect. I submitted a forgot password link to my email and never got the link. I haven’t been able to log in and haven’t had much help from the app. I would like to suspend my subscription and not renew next month.

    By The.ardest
    This app might have been a great tool to help me build my credit. However, they want $30 a MONTH for quarterly updates, and 40 for monthly. At that rate I might as well pay some of my debts off. I downloaded it and once I saw the price without a free/cheaper option I instantly deleted the app. I guess I’ll never know. People looking to fix their credit aren’t always in the best position to SPEND money on a tool like this to fix their credit when they could put that money towards their debts instead. I could understand a few bucks, but 30-40 a MONTH? That’s a whole bill. A whole bill for something that, based on some of the reviews isn’t even as thorough as others that offer free services. I wanted to give this app benefit of the doubt, but the price isn’t even worth it. It would be nice to offer a month free trial and bill after, but you offer expensive services with zero trial period, and zero refunds on top of it. So basically if you don’t like the app, you just wasted someone’s hard earned money and can’t even refund them for a service they didn’t even know they’ll like.. That’s horrible quite honestly.
  • Stay away 1/5

    By texttext123456789
    I called after signing up to find out why the score vary from other sites and was informed they use different methods of created your score and was surprised to find out for 29 the scores are updated every three months. If I wanted to have it updated every month I would need to pay 39 a month.. this is not what I expected so when I asked for a refund.. only 10min after signing up, they tell me know refunds.. this tells me this is not a good company to be part of or use.. I will never use this company again..
  • Expensive 4/5

    By W6Sam
    Good app just expensive to have at 30.00 dollars a month.
  • Freeze Credit Scores? 3/5

    By Detective31
    I give the app 3 stars. I really find this app useful and I would have given it a higher score if there was a feature to be able to lock your credit file with all 3 credit agencies if you have an alert of some sort. I think it would just be a major improvement.
  • They keep your money 1/5

    By kmeeeeec
    I cancelled this subscription. I called when I saw a charge pending for the upcoming month. They refused to stop or credit. Do not use them or their app. Zero customer service. I waited 20 minutes to talk to a supervisor. They must need my money.
  • Fraud 1/5

    By fraudkicker
    They advertise true FICO scores but they are not. The scores shown in their paid subscription are not the true scores. Scam!!
  • Horrible service. 1/5

    By frandiii
    If you want to order your credit report for about $60 so it could delete it in 30 days, this is the perfect site to waste your money.
  • Crappy service 1/5

    By FL Blue Collar
    They expect me to remember my address from a rental 15 years ago. Then they couldn’t find all six of my Ford trucks even though I have the account numbers and everything ready how much I pay per month. The most ridiculous verification system I’ve seen.
  • Worthless 1/5

    By byron pitts 52
    There was a lot of missing information on mine. It said I had x amount of missing payments on my dashboard but it did not show the same amount of missing payments in the actual report. It was a mistake buying this since it is not guaranteed and it does not show the accurate information. Use credit karma if you want more help than this app. Oh they didn’t even have my name right in their system. So that’s a nice touch.
  • App crashes like clockwork 2/5

    By JoiinCA
    Whenever I select simulator, the app crashes.
  • It’s not accurate 2/5

    By Joeykbohio74
    I’m saying there is no way the 5 star results are so happy. This app shows scores but they are at least 50-100 points off in the wrong direction. I PAID for the service saw scores change weekly . But when they ran my credit for the house it’s was way under the needed and what I assumed was accurate.. It frustrated me because I paid for something to get the accurate data needed .. however it’s wrong and not accurate.. Sure it showed me the details of them running the credit and other items on my credit . But this is as bad as credit karma.. The score was 50-100 points off in the wrong direction.. they show you fluffed score . When it’s not that at all ..