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Myfico FAQs
Does myFICO offer a free plan?
Yes, myFICO provides a completely free plan with 1-bureau Equifax coverage updated monthly. No credit card required, and it includes your real FICO Score 8 plus basic credit monitoring alerts.
How much do myFICO subscription plans cost?
myFICO offers three paid tiers: Basic at $19.95/month (1-bureau Experian), Advanced at $29.95/month (3-bureau quarterly updates), and Premier at $39.95/month (3-bureau monthly updates). All plans auto-renew unless canceled.
Can I save money with annual billing?
Yes, annual subscribers save up to 20% compared to monthly billing across all paid plans. This applies to Basic, Advanced, and Premier tiers, making long-term commitments more cost-effective.
What discounts do new customers get?
New customers can receive 75% off their first month of 1-Bureau Credit Tracking & FICO Scores, plus introductory offers when signing up for email updates. These promotions apply to paid plans only.
How do I get myFICO promo codes?
Subscribe to myFICO's email newsletter for regular promo codes offering 20-30% off. Also watch for seasonal sales during Black Friday, Cyber Monday, and National Credit Education Month in March.
Can I cancel my myFICO subscription anytime?
Yes, all myFICO subscriptions can be canceled anytime without penalties. Plans automatically renew unless you actively cancel, but there are no long-term contracts or cancellation fees.
What's included in the 3-bureau coverage?
3-bureau coverage includes credit reports and FICO scores from Experian, TransUnion, and Equifax. Advanced plans update quarterly while Premier plans update monthly, both including identity theft insurance.
Are there discounts for buying multiple credit reports?
Yes, purchasing 3-bureau reports together saves you 20% compared to buying them separately. The bundle costs about $47.88 versus $19.95 per single-bureau report, perfect for loan preparation without ongoing subscriptions.
Does the mobile app offer exclusive discounts?
No, the myFICO mobile app doesn't provide additional or exclusive discounts beyond what's available on the website. All promotional offers apply equally across platforms.
How does the myFICO affiliate program work?
The affiliate program pays commissions on customer referrals through your website links. Apply through Rakuten Advertising at ra-myfico@mail.rakuten.com with a quality website and relevant audience.
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Get Your Real FICO Score Starting Free
myFICO delivers the actual credit scores that 90% of lenders use—not estimates or approximations. Start with their completely free plan featuring monthly Equifax-based FICO Score updates, then upgrade to paid tiers for complete 3-bureau coverage. Their Basic plan starts at just $19.95/month for Experian monitoring, while Advanced ($29.95) and Premier ($39.95) plans offer full credit tracking across all three bureaus. Unlike other services that guess your score, myFICO comes straight from the source that invented FICO scoring.
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