FICO® Free Plan
Your FICO® Score, from FICO for free
Get your FICO Score straight from the people that created it. Plus, free Equifax credit monitoring and a free Equifax credit report every month. No credit card required.Important information 1Important information 2
IMPORTANT INFORMATION
1. Your subscription will automatically renew monthly at $0 for Free Plan, unless canceled. You or we may cancel at any time. All subscriptions include a FICO® Score 8, and may include additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more.
2. Not all credit report data or transactions are monitored. Monitored credit report data, monitored credit report data change alerts, FICO® Score updates, FICO® Score alerts, monitored transactions, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more.
FICO Free plan features
What you'll get with FICO® Free
Your FICO® Score for Free
You'll get a FICO Score 8 based on your Equifax credit data. Take the mystery out of your score with a detailed analysis.
Equifax Credit Reports
Instantly access your credit report from Equifax so you can check for errors that may be holding you back. Plus, get a fresh report every month to help you stay on track.
24x7 Credit Monitoring
Credit reports change all the time. We alert you when we detect something new in your Equifax credit data. Proactive monitoring can help you uncover fraud early and avoid nasty surprises when you apply for new credit.Important information 3
Score Change Alerts
Avoid credit surprises. We'll notify you anytime your FICO Score from Equifax goes up or down. With the myFICO app, you can access your scores and alerts on the go.Important information 3
IMPORTANT INFORMATION
3. Not all credit report data or transactions are monitored. Monitored credit report data, monitored credit report data change alerts, FICO® Score updates, FICO® Score alerts, monitored transactions, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more.
Choose the plan for you
Free
- 1-bureau (Equifax) coverage
- Updates available every month
- FICO Scores
- Scores for mortgages, auto loans & more
- Credit reports
- Score and credit monitoringImportant information 5
- $1 million identity theft insurance
- 24x7 identity restoration
- Not included: Identity monitoring
See how it works
Automatically renews at $0/month. Cancel anytime, no refunds. Includes FICO Score 8. Your lender/insurer may use a different credit score. See important information belowImportant information 4.
Advanced
- Complete 3-bureau coverage
- Updates available every 3 months
- FICO Scores
- Scores for mortgages, auto loans & more
- Credit reports
- Score and credit monitoringImportant information 5
- $1 million identity theft insuranceImportant information 6
- 24x7 identity restoration
- Identity monitoring
See how it works
Automatically renews at $29.95/month. Cancel anytime, no refunds. Includes FICO Score 8. Your lender/insurer may use a different credit score. See important information belowImportant information 4.
Premier
- Complete 3-bureau coverage
- Updates available every month
- FICO Scores
- Scores for mortgages, auto loans & more
- Credit reports
- Score and credit monitoringImportant information 5
- $1 million identity theft insuranceImportant information 6
- 24x7 identity restoration
- Identity monitoring
See how it works
Automatically renews at $39.95/month. Cancel anytime, no refunds. Includes FICO Score 8. Your lender/insurer may use a different credit score. See important information belowImportant information 1.
IMPORTANT INFORMATION
Your subscription automatically renews monthly at $0 for Free Plan, $29.95 for Advanced, or $39.95 for Premier, unless you cancel. You may cancel at any time; however, refunds are not available. All subscriptions include a FICO® Score 8, and may include additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
Not all credit report data or transactions are monitored. Monitored credit report data, monitored credit report data change alerts, FICO® Score updates, FICO® Score alerts, monitored transactions, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more
The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.
IMPORTANT INFORMATION
7. Your subscription will automatically renew monthly at $0 for Free Plan, unless canceled. You or we may cancel at any time. All subscriptions include a FICO® Score 8, and may include additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
8. Not all credit report data or transactions are monitored. Monitored credit report data,monitored credit report data change alerts, FICO® Score updates, FICO® Score alerts, monitored transactions, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more.