myFICO Reviews

They intentionally erase you previous paid for reports just to force you into paying for a subscription to their service. Forget them. They don’t deserve my money cause they just sell our personal information without our permission anyway. Just don’t give them your money. There are plenty of places where you can get enough information about your score.

Sign up for all the free sources regardless if it’s a real score or not, then do an average of them all. Drop the highest & lowest. Add up the rest and divide by how many scores you added up.

That is almost always as close to a real score you will ever get anyway. Besides there is not just 1 score, there are hundreds, depending on who is looking at your score and what version they use.

myFICO 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 myFICO . 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 myFICO 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 myFICO , 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.

I’ve been using credit karma for a while and have been happy with the way it immediately keeps you up to date on credit scores, but I’ve found that my FICO score is about 50 points higher than what credit karma shows because FICO is a more complete snapshot of your credit history. I get free FICO scores through my Discover card, but I was hoping for a more complete picture by going directly through FICO. Once I downloaded myFICO I found that there is no Free option to see your credit score. I don’t feel it necessary to spend hundreds of dollars a year, unless maybe I was buying a new house or something, but even then it seems unnecessary when you can get one free copy of your credit report each year directly from the provider(trans union experience etc). I feel myFICO is misleading by never mentioning that there is no free version. It only mentions that “some services” are only available with a subscription. I tried calling the 800 number but gave up after lengthy hold time. I don’t want to say myFICO is a scam, but it really doesn’t provide any value for service.

myFICO is a total waste of money. It doesn’t give ANY information on what websites your password has been compromised OR even tell what exactly is bringing your credit score down. It’s so vague for the amount of money you want monthly. I was very excited to finally get myFICO, when I seen exactly what we get with our subscription, I wanted to cancel the same day and ask for my money back, but your offices were closed. You MIGHT not get a real accurate score from Credit Karma but at least it has a TON of information about your creditors and past due accounts that you can look into and even dispute on their website, above all else IT’S FREE. You can get identity protection from life lock for less than $30-40/mo . So what exactly are you offering us by getting your subscription??? In my opinion, again this just my opinion. What you are offering us as your customers is not worth the money you have to pay it’s a total rip-off because your company knows EXACTLY how important a FICO score is in life. People download myFICO with the expectations of actually being helped to reach their goals and dream of getting a home or a new car etc. but you guys deliver nothing .Again, In my opinion , you ought to be ashamed of yourselves. This thing is Junk a total waste of time and money.

After paying for this app for several years, I’m about to cancel my account. For all the great things that myFICO does, it doesn’t provide basic useful information. For instance, if a delinquent account is removed from your credit, it doesn’t tell you what account it is related to. You have to pull out credit reports and compare what changed from last time and a bunch of other crap. Even Credit Karma (the free service) will tell you this info. And with many credit cards and banks providing free credit updates, etc…..tell me why I pay monthly for a service that WON’T (they can, but choose not to) provide simple information? See ya ✌🏽

this app 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 this app. Increased my credit limit by 20k, paid off debt, had lawyer remove all negative comments... yet this app 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!

I’m spending way to much time trying to figure things out. Or example, only on a he this app 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, this app 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 this app 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 myFICO , 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.

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)

While the information supplied is useful, paying $40 for an update every 30 days is ridiculous. Of course when you create the means to hold everyone hostage to your secret formula, you can get away with undeserving while overcharging. How ironic that they are named “Fair” Issacs.

More frequent updates, free updates on demand for subscribers, or more modest subscription fees would be in order. After all, it is ultimately our data. Given what a poor steward the industry has been with our data, we need laws that put our data firmly under our control.

FICO takes your money first then you MUST call to verify your identity!

First I was mad then I realized it’s better for my security but I would appreciate it if they were more transparent before charging my CC!

I have Experian $10/month and love it but it’s not fully intensive like this app! But I cannot cancel either because you have to pay to lock it! Equifax and TransUnion are free to lock!

this app shows me 3 companies of course for UN acceptable $40/month

But it’s a must if you want to apply for mortgage especially car loan. Apparently there are a looooot of scores you have to check before applying.

What you get from banks every month? Forget it! It’s just a general FICO 8 TOTALLY DIFFERENT than what lenders see when you apply for car loan!

Secret I discovered after reading a lot about it, that only lenders check a certain score that’s NOT SOLD to consumers! When buying a car called FICO score Auto enhancement!

So my humble advice: just buy it for 1 month or 2 before applying for a car loan to have the upper hand at the dealership or when negotiating with lenders!

Also use the simulator bar in myFICO or the website to see what you can do to increase your score! It’s also in Experian App or their website! I find it legit!

All in all I’ll only pay for it for 2 month till I finalize my new car loan then CANCEL IT!

this app you want my money every month? Don’t be GREEDY and make it cheaper!

It’s mediocre. I recently signed up for service this month. So far I’ve been unimpressed with the application as a whole. I still pay for Experian services but I wanted to give this app a try after reading up. Glad I didn’t cancel Experian yet.

this app updates extremely slow. It took me around 3 weeks to get any updates. Funny enough I received updates for Transunion and Equifax before receiving an update from Experian. I know this because a) I still have Experian and b) I recently tried “credit check total” and got my 3 bureaus report twice for feee.

Furthermore when I called support for this app I was told it took a couple weeks for the system to synchronize. Uhhhh...you just took my $50 for a service and your system isn’t fully functional for paid service. That’s weird. So you take my money but I won’t get the service until later?!?!
Didn’t see that in the fine print.

Anyways - I might as well finish my month. I do like the community. Very friendly and extremely helpful. The customers are about all this app has going for it. The irony.

As of recently (a little over a year now) I have been focused and steadfast towards building up my credit score and profile. myFICO is extremely helpful in helping me stay up to date, the only knock I have against it is that it doesn’t provide specific details on what debt, derogatory mark, or collection it is that is still showing on my report ; For instance, it shows the total number of factors helping and/or damaging my score but when I click on it to get more details it just shows the number of negative accounts, but not specifically which account it is, nor any contact info regarding the debtor or agency for me to reach them. This is the only thing I pardon for that we get fixed, thank you guys!

myFICO is great overall. I’ve been using it for about 5 years, however the score screen glitches OFTEN. It will give you an update in your alert notifications, but then not update the score screen. For example: Equifax or TransUnion will update with a 20+ increase to your score but the score screen will show a -20 decrease instead of the actual information. When you call this app, they’ll say they don’t see that on their end and that you should just delete and reinstall myFICO or clear your cookies on your screen. But, I’ve seen this in the forums before as well. There is a definite glitch. If the glitch can be fixed, would be worth 5 stars!

It's very nice to see the changes as they occur on a daily basis! Well I don't understand all of it, I do know now what affects my credit on a daily basis. I appreciate the fact that I get to look at my photo credit report and know when my score is fluctuating and know what caused it. My only complaint is the cost. I wish it were less expensive and quite frankly others are now offering the Fico score through my various credit cards as well. Something to possibly consider. But I do love with this site has to offer.

I’ve been using myFICO 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 myFICO until I purchased my home, but with the alerting and up to date information concerning my credit, I think it’s worth keeping. myFICO gives me a peace of mind knowing my credit score from the 3 major credit agencies.

I’ve used most of the apps and websites out there for credit scores and alerts. I did opted for the $30/month deal and I have to say, I could not be more pleased.

There is massive amounts of very valuable information within. I never believed in paying for such info but I’m extremely pleased I made the choice. I like how in depth it goes with cards and mortgage info keeping you ahead of the game.

The online user forums are jam packed with all the help you can ask for from other members. I have followed the forums for a while and is what made my decision to bite the bullet and join.

If your serious about getting or keeping your credit in good standings I would highly recommend the this app app. From my experience updates are faster then the others which is pertinent for catching any fraudulent attempts at against your identity/credit.

I find this tool very handy for keeping up with what’s going on behind the scenes with my credit and creditors.
I let my subscription lapse not realizing that I did that (because I moved & bought a house) and recently re-subscribe and I’m so glad I did.
I’ve worked very hard to get a good credit score so I could buy my first home then after I bought my home I got credit cards and maxed them out over time, which brought my FICO down so now I’m in the process of paying those off and I need to keep my eyes on everything so I can make sure it’s correct.
myFICO helps me manage my affairs!

My husband and I have been trying to build our credit to help get us a great mortgage rates. Our financial advisor advised us to use myFICO. It has been beyond helpful. It gives us great advice. I love the simulator, it helps me make the best decisions when it comes to our credit review. I highly recommend myFICO for anyone trying to improve their credit, track their habits or have any questions or concerns about making financial choices in their life.

Hands down, this is the BEST credit monitoring app next to Experian. These are your REAL scores—all 20 plus of them. What lenders showed me as the scores they pulled matched up exactly. I pay every 3 months to keep track of my scores because it is a bit expensive. But what price can you put on being armed with your scores that lenders will see and what you are entitled to for your interest rate?

I was hesitant to pay $40 a month for a credit monitoring app but months later, I can’t give myFICO up! If you are actively trying to change or better your credit, myFICO is a necessity! I have made significant improvements to my credit in only a few months! I feel better about my credit & financial situation than I have in years! HIGHLY HIGHLY HIGHLY recommend to anyone working towards bettering their credit &/or working towards a financial goal like buying a home! 👍🏻

I downloaded this to take a more serious and secure approach to my credit and identity protection. I was interested and it looked very useful. Then you sign up and they want $30 a month without any trial period to evaluate the service. I deleted myFICO thereafter. Any good service is worth paying for, but at the same time users should be given an opportunity to evaluate features and determine if the service is right for them. Not being cheap and complaining, but even one day trial would be enough for me because I was legit interested in myFICO. FICOwned :/

I have been using myFICO for at least 2 years. I used the free version which showed how much your score increase/decreased. Just recently, over the past couple weeks, they’ve removed that feature from the free service and where it would show how much your score increased/decreased, it now shows a lock. I think the features that were available and taken away should still be available to users who had access to them. I think it’s crappy to take away this feature and will probably be using and potentially subscribing to another service.

I often look at other websites that I pay for. One is Transunion, which recently showed my score dropping 14 points for whatever? I should not worry because it doesn’t affect my credit worthiness. Many times it has been as high as 644. However this number is not reflected on my Fico score website that I check frequently. Why the disparity? Can you please help me understand this proceeds? I’m working hard to rebuild my credit.
Thank you for your time and consideration.

I like the fact that it is accurate and up to date unlike some other apps I have used. Quick and consistent notifications that help me keep up with what is going on with my credit. All the information you need to make effective and accurately informed decisions . It is FICO what more can I say.

My intention was to have myFICO for only 1 month, here I am 12 months later and I refuse to let it go. It taught me so much about my Credit things I would have never known, that you don’t learn in those bogus Credit repair classes. myFICO will teach you not only how to improve your score, but how to maintain and manage credit!