myFICO - Credit Score Tracking

• Free

Last verified 5 Sep 2026

4.8 50299 ratings · App Store

1. 1/5This is $20/month minimum, up to $40/month

   Noticed it had no “in app purchases” showing and assumed this rating information was a complimentary service. These FICO thieves who steal and monitor our personal data (while claiming it to be their “property”) have repeatedly shown no conscience or accountability for what they do with it. Foolishly assumed this was an effort by them to be more transparent, haha. What a business model- spy on our lives and accumulate tons of personal data that they claim is their own. Then leverage it against us, and hide it from us unless we cough up $20-40 per month to see just a little sliver of what they are doing with our data. And the fact they even have to do that despite all their regulatory capture is we still had some vestiges of Ralph Nader’s legacy in the government that forced the credit bureaus to share some of what they’ve been up to with our PII. We need to push for a law that puts ownership of our data into OUR hands, and these companies can pay US to “rent” access. I’ll be happy to discuss MY terms for this $20-$40/month service I’ll provide to FICO, Transunion/Equfax/Experian/Nexus-Lexis…..

   EthericMustard · 5 Sep 2026

2. 1/5OFFER TRIAL PERIODS.

   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.

   The.ardest · 5 Sep 2026

3. 1/5No free option

   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 the app 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 the app 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 this app is a scam, but it really doesn’t provide any value for service.

   Hot Shot Man · 5 Sep 2026

4. 3/5FICO: we take your money FIRST

   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 myfico! But I cannot cancel either because you have to pay to lock it! Equifax and TransUnion are free to lock! Myfico 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 the App 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! MyFico you want my money every month? Don’t be GREEDY and make it cheaper!

   Madeira9360 · 5 Sep 2026

5. 5/5Great if looking for a house

   We are in process of buying a home and this app (it’s a paid service) gave us the exact info we needed across all three bureaus. Was able to clean up some negative stuff and they updated any changed info along the way. One of my scores does not reflect the actual since changes on my end and I think the subscription only “checks” for an update once a month, but for the most part if something major changes the bureaus usually report it an it’s takes effect almost immediately. Happy with this app an service and yes I do recommend if your serious about fixing your credit or buying a house or car

   mikeg585 · 5 Sep 2026

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