Adjust Text Size

MyFICO ScoreWatch: Free Access to Your FICO Credit Score

Written by Nickel - 10 Comments

Late last week, I mentioned MyFICO Scorewatch in the context of Experian’s decision to stop offering consumer FICO scores. This time around, I thought I’d mention it in it’s own right, as it’s a great way to get a free peek at your credit score thanks to their 30 day free trial.

In case you’re not familiar with MyFICO, they’re the consumer division of Fair Isaac, which is the company that invented the FICO credit score. Their ScoreWatch product is essentially a credit monitoring service that gives you two free Equifax Score Power reports per year. These reports include a complete Equifax credit report plus your Equifax-based FICO score. They also alert you whenever your credit report changes, and provide you with an updated FICO score at the same time.

While this sort of service may or may not appeal to everyone, there’s one killer feature that pretty much anyone should love — a 30 day free trial which, at the very least, provides you with access to a free FICO credit score. If you sign up and decide to keep the service, it costs $8.95, or $89.95 per year. But if you cancel within 30 days, there’s no cost to you whatsoever.

So what are you waiting for? Go check your score and let us know where you stand. Mine is 795. Can you beat that?

Published on February 13th, 2009 - 10 Comments
Filed under: Credit Cards, Debt Reduction

About the author: Nickel is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!

10 Responses to “MyFICO ScoreWatch: Free Access to Your FICO Credit Score”

1
Ellen Says:
February 13th, 2009 at 3:15 pm
I still just use creditkarma.com to check mine. I know it’s not as accurate as using a company like Fair Isaac, but it’s free and easy to use.

I still check my credit report every 6 months or so with a one time fee to make sure nothing is amiss
2
thomas Says:
February 14th, 2009 at 1:13 pm
Nice score.
3
geo Says:
February 14th, 2009 at 2:54 pm
804, mwahahaha! Thanks for the tip. This is the first time I have ever gotten my actual score. Must be doing something right!
4
spaces Says:
February 15th, 2009 at 10:24 am
801
5
Kristy @ Master Your Card Says:
February 16th, 2009 at 1:31 am
I love MyFICO.com, but I’ve already used my free trial, so I can’t resign up. But, I do keep track for my own purposes through Credit Karma, which I think just takes an average of the three scores which is why it’s not as accurate as MyFICO. For general purposes, I think this is the best method. But, when it comes down to actually looking to make a purchase, I’ll pull the real deal. That said, I’m currently at 708. I dropped 50 point recently because of a stupid credit card dropping the program I was under and they closed the card, which set off a chain reaction of events that resulted in a 50 point drop. *sigh* No worries, though. I’ll gain it back.
6
Stingy Student Says:
February 16th, 2009 at 10:21 pm
Thanks! Was just looking for a way to check now that my Wamu card won’t have the free credit check feature any more.
7
Colleen Says:
February 17th, 2009 at 9:45 am
811.
8
Bass Says:
February 19th, 2009 at 2:06 am
395…lower is better right?
9
sessiom hall Says:
July 11th, 2009 at 4:25 pm
i am having a problem getting to my scorewatch. you are still taking $8.95 out of my acct. every month
so i know i am still enrolled. please advise me how to get to it………………..
10
Matthew Heaney Says:
January 27th, 2012 at 12:19 pm
809 – ha!

Top Cards by Category

CASH BACK CREDIT CARD (see all)

Chase Freedom^® Visa - $200 Bonus Cash Back

Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months. 5% Cash Back on up to $1,500 spent in bonus categories each quarter.

AIRLINE MILES / REWARDS POINTS CREDIT CARD (see all)

Delta Reserve Credit Card - Enjoy Delta Sky Club^® Access

Earn up to 20,000 bonus miles with your first purchase 10,000 of which count as Medallion(R) Qualification Miles. Earn up to 5,000 bonus miles when you add two additional cards to your account with initial application.

CREDIT CARD DEALS (see all)

Gold Delta SkyMiles^® Credit Card from American Express

Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening. Receive double miles on Delta purchases.

BALANCE TRANSFER CREDIT CARD (see all)

Discover^® More Card - $0 Balance Transfer Fee!

Enjoy no balance transfer fee for a limited time. 0% introductory rate on Balance Transfers and Purchases. Earn up to 5% Cashback Bonus in categories that change like gas, restaurants, department stores and more. Limitations apply*

LOW INTRODUCTORY RATE CREDIT CARD (see all)

Discover^® More Card - $0 Balance Transfer Fee!

LOW INTEREST RATE CREDIT CARD (see all)

Slate^® from Chase - $75 Bonus and Up to 15 Month Intro Duration

Earn $75 Statement Credit after you make $300 in purchases in your first 3 months. There is a 0% Intro APR for up to 15 months for purchases and balance transfers. This card has Blueprint free and customizable account features that help you avoid unnecessary interest and pay your balances down faster.

BUSINESS CREDIT CARD (see all)

The Business Platinum Card^® from American Express OPEN

Enjoy amenities for you and your business, like: complimentary airport club access, including American Airlines Admirals Club(R) lounges.

STUDENT CREDIT CARD (see all)

Discover^® Student Clear Card

5% Cashback Bonus in categories that change like gas, restaurants, department stores and more. Limitations apply*. Up to 1% unlimited Cashback Bonus on everything else. No annual fee

GAS REBATE CREDIT CARD (see all)