What myFICO does

myFICO, launched in 2001 and headquartered in San Jose, California, is the official consumer division of Fair Isaac Corporation (NYSE: FICO), the company that invented the FICO credit score more than 30 years ago. It provides U.S. consumers direct online and mobile (iOS and Android) access to FICO Scores and credit reports from all three major bureaus — Experian, TransUnion, and Equifax — including 28 specialized score versions used by mortgage lenders (FICO Score 2 and 4), auto lenders (FICO Auto Scores), and credit card issuers (FICO Bankcard Scores), along with newer FICO Score 10 and 10T variants. The product is positioned for consumers preparing for specific credit events — most prominently mortgage applications, but also auto financing and credit card approvals — and increasingly for identity-protection use cases.

The core technology is a proprietary predictive credit-scoring engine trained on structured credit file data from the three bureaus across more than three decades; myFICO is the only direct retail channel for the actual FICO Score (not an approximation or educational score), with claimed variance of up to 100 points between competing scores and authentic FICO Scores. The platform layers credit report monitoring with real-time alerts, FICO Score simulators (including a Mortgage Score Simulator launched in February 2026 for Premier subscribers), up to $1 million identity theft insurance underwritten by American Bankers Insurance Company of Florida (Assurant), 24/7 identity restoration, dark-web identity monitoring, and a suite of credit and financial calculators. FICO Scores are reported as used by 90% of top lenders, and 27 million FICO Scores are purchased daily globally across FICO's distribution.

Monetization is anchored on a freemium-to-premium subscription: a Free tier (FICO Score 8 from Equifax), Basic at $19.95/month, Advanced at $29.95/month, and Premier at $39.95/month, all auto-renewing monthly with no refunds post-cancellation for paid tiers. The company also generates affiliate revenue through the Rakuten Advertising program and referral income from partner offers displayed on-site (personal loans, credit cards, credit builders, savings accounts). GTM is fully self-serve via web and mobile, with no sales interaction; acquisition is driven by SEO-led content marketing, social channels, community forums, affiliates, and the FICO Score Open Access program that places FICO Scores inside 170+ financial institution apps. Operations are U.S.-only, and as a wholly-owned subsidiary of a publicly traded parent, myFICO's standalone financials are not separately disclosed.

Name

myFICO

Legal name

Fair Isaac Corporation

Website

https://myfico.com

Company type

Public

Founded year

2001

Operating status

Operating

Headcount range

101–250 employees

Short description

myFICO, the U.S. consumer division of Fair Isaac Corporation (NYSE: FICO), provides direct online and mobile subscription access to FICO Scores and credit reports from all three U.S. bureaus, serving individual consumers preparing for mortgages, auto loans, credit cards, and identity-protection needs.

Ownership category

akta.pro rank

Product category

Consumer Credit Monitoring

NAICS

Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industry

Credit Scoring Models & Score Providers (FSAKAKAC)

Keywords

• Consumer credit monitoring
• FICO score access
• Credit report services
• Identity theft protection
• Credit score simulator

Headquarters

HQ city

San Jose

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Marketing or Sales, Operations, Personnel, Infrastructure

Revenue model

1. Subscription Revenue: Monthly recurring subscription revenue from four tiered plans: Free ($0), Basic ($19.95/month), Advanced ($29.95/month), and Premier ($39.95/month). Plans include varying levels of bureau coverage, score monitoring, identity features, and simulator access.
2. Freemium Model: Free plan provides basic FICO Score 8 from Equifax with monthly updates. Designed to drive conversion to paid tiers for full features including 3-bureau coverage, simulators, and identity theft insurance.
3. Affiliate Partner Commissions: Marketing affiliate program through Rakuten Advertising where partner sites earn commission on all leads resulting from links to myFICO site.
4. Loan and Credit Card Offers: Referral revenue from trusted partner offers for personal loans, credit cards, credit builders, and savings accounts displayed on the platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

myFICO is the consumer division of Fair Isaac Corporation (FICO) and sells direct consumer access to FICO Scores and credit reports from all three U.S. credit bureaus through tiered monthly subscriptions (Free, Basic $19.95, Advanced $29.95, Premier $39.95). Offerings include FICO Score 8 and 28 specialized score versions (mortgage, auto, bankcard), FICO Score simulators, real-time credit monitoring and alerts, up to $1 million identity theft insurance, 24/7 identity restoration, financial calculators, and credit education resources.

Product overview

myFICO is the consumer division of FICO offering a tiered subscription service for credit monitoring and FICO Score access. The core product portfolio consists of four subscription plans (Free, Basic at $19.95/month, Advanced at $29.95/month, and Premier at $39.95/month) providing access to FICO Scores from one or all three credit bureaus (Experian, TransUnion, Equifax). The offering includes over 28 specialized FICO Score versions including FICO Score 8, industry-specific auto and bankcard scores, and mortgage-specific scores. Subscription tiers include credit monitoring with real-time alerts, identity theft insurance up to $1 million, FICO Score simulators, and financial calculators. Premier subscribers additionally access the new FICO Mortgage Score Simulator for mortgage lending preparation.

Differentiator

Problem solved

Functional benefit

Products and services

• myFICO Free Plan Free subscription tier providing monthly FICO Score 8 from Equifax, free Equifax credit report updates, and basic credit monitoring for U.S. consumers. No credit card required. Automatically renews at $0/month and may be cancelled at any time.
• myFICO Basic Plan Subscription at $19.95/month providing FICO Scores from Experian including mortgage, auto loan, and credit card versions, FICO Score 8 simulator, and up to $1 million identity theft insurance with 24/7 identity restoration. Automatically renews monthly with no refunds upon cancellation.
• myFICO Advanced Plan Subscription at $29.95/month providing complete 3-bureau FICO Score coverage (Experian, TransUnion, Equifax) with quarterly score updates and identity monitoring across all three bureaus. Automatically renews monthly with no refunds upon cancellation.
• myFICO Premier Plan Premium subscription at $39.95/month including complete 3-bureau FICO Score coverage, FICO mortgage score simulator showing how actions affect FICO Score 2 and 4 used by mortgage lenders, identity features, score alerts, and credit monitoring. Automatically renews monthly with no refunds upon cancellation.
• FICO Mortgage Score Simulator Interactive simulation tool for Premier subscribers that models how specific credit actions will impact FICO Score 2 (Experian) and FICO Score 4 (TransUnion), the versions mortgage lenders use. Helps consumers prepare credit health before homeownership applications to potentially improve eligibility and interest rates.
• Identity Theft Insurance Up to $1 million identity theft insurance underwritten by American Bankers Insurance Company of Florida (an Assurant company), including expense reimbursement, cash recovery, and 24/7 identity restoration services. Included with Basic, Advanced, and Premier subscription tiers.
• myFICO Mobile App iOS and Android mobile applications enabling myFICO subscribers to access FICO Scores, credit reports, alerts, and identity monitoring features on mobile devices.

Quantifiable outcome

• 90% of top lenders use FICO Scores for credit decisions
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Rakuten AdvertisingminorGTM or Marketing PartnermyFICO Affiliate Program managed through Rakuten Advertising. Affiliate partners generate revenue and provide their customers with credit management solutions. Commission is paid on all leads resulting from links to myFICO site. Sites must be approved before participating, with requirements for quality design, top-level domain, and English language.
• FICO Score Open Access Financial InstitutionscoreStrategic or Co-development PartnerOver 170 financial institutions participate in FICO Score Open Access program, providing customers free access to FICO Scores with top factors affecting their scores. Includes banks, credit card issuers, auto lenders, and mortgage servicers.
• American Bankers Insurance Company of FloridacoreOthersIdentity Theft Insurance underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Provides up to $1 million identity theft insurance for Basic plan subscribers and above.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Credit Karma: Owned by Intuit, Credit Karma is the largest free credit score and monitoring platform in the U.S., pulling data from TransUnion and Equifax. Directly comparable to myFICO in offering multi-bureau credit scores, credit monitoring, and identity protection, but monetizes differently via partner referral revenue rather than subscriptions.
• Experian (Consumer Services): One of the three national credit bureaus, Experian offers its own consumer credit monitoring products (Experian CreditWorks, free Experian membership). Directly competes with myFICO across credit scores, reports, and identity protection, and is simultaneously myFICO's data supplier.
• TransUnion (Consumer Services): One of the three national credit bureaus, TransUnion offers free and paid consumer credit monitoring (TrueIdentity, CreditVision). Directly competes with myFICO on credit scores, reports, and identity monitoring, while also serving as a data supplier.
• Equifax (Consumer Services): One of the three national credit bureaus, Equifax offers its own direct-to-consumer credit monitoring and identity protection products. Directly competes with myFICO while simultaneously supplying the underlying credit data for its 3-bureau offering.
• Credit Sesame: Free credit score and monitoring platform offering TransUnion-based scores plus premium subscription tiers with identity protection. Comparable freemium model and credit monitoring offering to myFICO, with similar affiliate/loan offer monetization.
• LifeLock (Norton): Identity theft protection service (now under Norton/Broadcom) bundling credit monitoring from one or more bureaus with dark web monitoring and insurance. Directly comparable to myFICO's identity protection tier, with overlapping subscription pricing and credit monitoring features.
• Aura (IdentityForce): All-in-one digital security and identity protection platform offering credit monitoring across three bureaus, identity theft insurance, and VPN/password management. Directly comparable to myFICO's identity protection feature set with premium tier overlap.
• IdentityGuard: Identity theft protection service from Aura that includes credit monitoring, credit scores, and identity theft insurance. Comparable subscription model and feature overlap with myFICO's identity protection offerings.

Broad incumbents

• NerdWallet: Personal finance comparison and education platform that surfaces credit card, loan, and financial product offers with affiliate monetization. Broader incumbent in personal finance that competes for the same consumer financial decision-making moments as myFICO, though without direct credit score provision.
• Bankrate: Long-standing financial comparison and education site covering credit cards, mortgages, loans, and banking products. Operates as a broad incumbent in the personal finance content and product referral space that intersects with myFICO's loan and credit card offer partnerships.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/myfico
• Facebookfacebook.com/myFICO
• Instagraminstagram.com/myficoofficial
• LinkedInlinkedin.com/company/myfico-consumer-services-inc.

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about myFICO