myFICO Review 2025: User-Friendly and Free

myFICO service is a user-friendly free service for credit score analysis, but it becomes expensive if you're seeking paid identity theft protection. We liked testing the clean dashboard that isn't flooded with card and loan offers along with its easy-to-read language to learn about your credit standing. 

The paid plans include additional credit bureaus, not just Equifax, along with identity protection features like identity theft insurance and identity restoration services. So is this service only good for large purchase planning or does it provide enough identity theft protection for the price?

At a glance

Price	Free–$39.95/mo
Free plan	Yes
Financial account monitoring	No
FICO® Score	Yes
Credit score	Yes — Experian, Equifax, TransUnion (depending on plan)
Credit score update frequency	Daily
Credit reports	Yes — Experian, Equifax, TransUnion (depending on plan)
Credit report update frequency	Monthly or quarterly (depending on plan)
Credit lock	No
Credit analysis	Yes
Credit building	No
Extras	Identity monitoring, identity theft insurance, identity restoration
Learn more	Get myFICO

We last tested myFICO on December 6, 2024.

Our experience

myFICO provided a seamless setup and testing process. We used the web dashboard on our Chrome browser and download the app to our iPhone. 

During the sign-up process, we were asked to provide personal information like your full name, home address, and Social Security number (SSN). Rest assured, that myFICO requests this information to find your credit profile and will encrypt this data.

Once complete, we were greeted with the myFICO dashboard. It's significantly stripped down compared to Credit Karma and Credit Sesame's dashboards, but we actually appreciated this. We were used to a lot of clutter from credit card offers or paywalls for certain features, but myFICO keeps the focus on your credit information.

It's also easy to navigate, with clearly labeled tabs at the top. For our credit analysis, all we had to do was click through on our credit score. The mobile app also perfectly mimics the web dashboard for a streamlined experience. 

Overall, we would recommend myFICO for anyone who is new to credit monitoring. 

myFICO prices and subscriptions

myFICO has a free plan and three paid tiers: myFICO Basic for $19.95/mo, myFICO Advanced for $29.95/mo, and myFICO Premier for $39.95/mo.

The tiers for myFICO have very little difference between them. The Basic plan offers monthly updates of your Experian credit score and credit report, along with . 

If you move up to the Advanced plan you’ll receive all three reporting bureaus, but it will only populate an update every three months. Identity monitoring is included in the Advanced and Premier plans. 

Finally, the Premier plan offers all three bureaus reports every month but at a price tag of $39.95/mo.

Which plan you choose is going to be based on your personal goals. Honestly, it really isn’t necessary for most people to check their credit score every month. There are services like Credit Karma and MoneyLion that offer free credit monitoring. But luckily, this is a month-to-month service, so you have the option to cancel or change plans if it’s not working for you. 

We do think pricing for myFICO is a little high, although it’s not higher than some competitors, as many of them also have price points around this range.

Plan	Free	Basic	Advanced	Premier
Price	Free	$19.95/mo	$29.95/mo	$39.95/mo
Financial account monitoring
Credit score	Yes — Equifax	Yes — Experian	Yes — Experian, Equifax, TransUnion	Yes — Experian, Equifax, TransUnion
Credit score update frequency	Monthly	Monthly	Quarterly	Monthly
Credit report	Yes — Equifax	Yes — Experian	Yes — Experian, Equifax, TransUnion	Yes — Experian, Equifax, TransUnion
Credit report frequency	Monthly	Monthly	Quarterly	Monthly
Credit lock
Credit analysis
Credit building
Extras	N/A	Identity theft insurance, identity restoration	Identity monitoring, identity theft insurance, identity restoration	Identity monitoring, identity theft insurance, identity restoration
Details	View plan	View plan	View plan	View plan

myFICO features

All myFICO plans include credit monitoring as well as credit reports. There’s also a FICO score simulator that comes with all paid subscriptions. For example, you’ll see how much your score will change if you ignore a bill or pay off a credit card. While it’s fun to look at for a little bit, you won’t have to put a lot of effort into using this service.

If you’ve purchased the Advanced or Premier plan, you also receive additional identity theft protection features.

Credit monitoring

Depending on the plan you choose, you’ll have access to either one or all three credit reporting bureaus. myFICO will also provide updates on a monthly or quarterly basis. 

We opted for the free plan, so we received Equifax credit information on a monthly basis. Since we signed up for the service and updated this review on the same day, we didn't receive any alerts. This will likely generate alerts if you’re making financial decisions like applying for a home loan, auto loan, or credit card to determine your creditworthiness.

You don’t have to interact much with the credit monitoring features. myFICO will monitor your scores and alert you if something needs your attention. 

Credit reports and credit scores

myFICO’s credit reporting feature allows you to read your credit report with all the line items listed, what standing they’re in with each bureau, and what each line item means in regard to your overall score. 

One thing we wish was included in the report was advice on how to fix negative reports, but you can find resources to dispute an item in the drop-down menu under your name.

There's also a tab just for your credit scores, which are updated on a daily basis. Depending on your plan, the TransUnion and Experian scores may be blank.

If you have a financial goal in mind, like purchasing a new house or taking out a loan, it’s important to keep an eye on your credit score. Even if you aren’t working toward a goal, a good credit score can help you in situations that may come up unexpectedly, like needing a new credit card or a small personal loan to handle major car repairs.

Credit analysis

If you click through on your credit score, myFICO will explain what's helping and hurting your score. There are also question mark bubbles to explain the FICO score and each of the factors impacting our score, which is a nice touch for anyone needing further context.

In our case, our credit score was being hurt by a lack of recent non-mortgage loan information. myFICO provided a personalized explanation for every factor as well. 

Bonus features

If you purchase an Advanced or Premier plan, you’ll receive identity monitoring. This monitoring isn’t very robust, but that should be expected given the focus of the product seems to be more on credit building and monitoring. 

This feature requires you to input your SSN, medical ID number (from your insurance), bank accounts, driver’s license, and passport and then waiting to see if there’s an alert. Unlike other services we’ve used, there weren’t any alerts when we first logged in, and there weren’t any after several hours. With other services, we’ve received alerts letting us know all the addresses associated with our SSN or financial accounts in our name. 

Considering myFICO is scanning for fishy business, you’ll likely not receive frequent alerts either. This is great because it makes you less likely to be a victim of identity theft losses.

Another valuable feature included with all paid myFICO plans is its identity restoration services. Restoration services are one of those things you may never use, but if you need to, then identity theft prevention is absolutely worth it. 

myFICO states its remediation specialists are available 24/7, and there are dedicated spaces in your portal for learning more about the restoration services.

Is myFICO safe to use?

There's actually an entire section in the privacy policy stating how your data is kept safe. One of the highlights of the protection process includes keeping secure areas of the buildings where data is housed. myFICO also provides passwords, encryption, and safeguard protocols, including authentication procedures for customers.

While exploring the privacy policy, we didn’t see any red flags about data sharing. myFICO outlines how data is only shared to deliver the services you’ve requested or in order to comply with any legal requirements. There is also a section outlining your rights and another section on how to exercise your rights. 

Overall, this is a privacy policy we’re comfortable with for a security product.

Below is a section from myFICO’s privacy policy on “How we protect your personal data.”

“FICO uses reasonable safeguards to protect your personal data, including physical safeguards, such as secure areas in buildings; electronic and technological safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures designed to help prevent ID theft. We restrict access to your personal data to only those employees who need to know that information to provide products, services, or other content to you.”

myFICO customer support

Support type	myFICO
Email or live chat	Yes
Phone	Yes — 1-800-319-4433
Online guides or forums	Yes

We reached out to customer support to ask a question about pricing and trials. The only options available to us were to call or fill out a form and wait for an email back. We opted to fill out the form on the site and wait for an email.

The response was within the 24-hour window myFICO promised and was curt and succinct. While we wouldn’t claim it was outright rude, it also wasn’t helpful or friendly. There are no free trials offered, and we were redirected (without links) to the pricing page. So while we did receive an answer in a timely fashion, it wasn’t our favorite experience.

Top alternatives

myFICO will provide your Equifax score and report for free, but what if you need more comprehensive credit monitoring? The following identity theft protection programs provide varying degrees of credit protection along with other features to protect against fraud: 

FAQs

Bottom line: Is myFICO good?

Yes, myFICO is good for financial planning but it's too pricey for robust identity theft protection.. There are some protections built into the product that directly relate to your credit score and keep you in good standing with the reporting bureaus, such as the credit analysis and credit reports.

While the quality of service you’ll receive with myFICO is high, you’ll also be paying for that with a hefty monthly price tag. Review our list of top alternatives for the best ways to achieve your financial goals without having to pay through the nose.