Get Your Fico Scores with My Fico’s Credit Monitoring Services

The My Fico online account can be used by members of the service to monitor how their identity and credit is being used, especially for the ability to access Credit Monitoring. To login to your account, all you have to do is go to the website i.e. and follow the steps below to sign in.

About Credit Monitoring with My Fico:

Founded in 2001, My Fico is a company that allows you to carry out activities to learn about your Fico Scores. These scores can be used to give valuable insight into your activity and credit and can affect whether or not lenders will lend you money, and at exactly what rate. With a high Fico Score, you can get better rates and ultimately save money.

With an online account, you can gain access to your Fico Scores, along with perks such as updated reports, options to track and monitor your scores and get access to methods that can help control and report online identity theft. To sign up, go to and click ‘Get my FICO Scores credit reports’.

How to login for Credit Monitoring with myFICO:

If you want to log in for credit monitoring, you can do so using the steps listed below. #8211; My FICO Login #8211; Get Your FICO Score Free Online #8211; My FICO Login #8211; Get Your FICO Score Free Online

My FICO is a site that gives you your FICO score which is the score that is used to determine your credit history and how good or bad a person is with the up keep of their score. On this site you will see an offer to view your FICO score for free for 10 days and what creditors think of you as a potential client or consumer. You will be able to see what lenders are looking at as a reflection of your bill paying and how likely they are to give you a loan.

With FICO you can see what kind of changes in your life you need to make in order to get a loan for buying a house or a car. Or maybe you might need a personal loan. Well with this score you can start to rebuild your credit and get the loan that you desire to start your small business or pay off some extra bills . FICO offers this service for $14.95 a month after your first 10 day trial.

What Does FICO Stand For? What is a FICO Score?

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A FICO score is a credit score developed by FICO, a company that specializes in what’s known as “predictive analytics,” which means they take information and analyze it to predict what’s likely to happen.

In the case of credit scores , FICO looks at a range of credit information and uses that to create scores that help lenders predict consumer behavior, such as how likely someone is to pay their bills on time (or not), or whether they are able to handle a larger credit line.

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Scores developed by FICO can also be used to forecast which accounts are most likely to end up included in bankruptcy, or which ones will be most profitable. And credit-based insurance scores, which they also create, are used to help insurance companies identify which customers are least likely to file claims.

The name FICO comes from the company’s original name, the Fair Isaac Co. It was often shortened to FICO and finally became the company’s official name several years ago.

To create credit scores, they use information provided by one of the three major credit reporting agencies — Equifax, Experian or TransUnion. But FICO itself is not a credit reporting agency.

Though FICO scores are the most widely used among lenders, there are other scores lenders can choose from, such as the VantageScore , which is becoming more widely used.

There are actually dozens of FICO scores, with each version serving a different purpose (more on that later). Generally, the FICO score range is 300 to 850, with the higher number representing less risk to the lender or insurer. Consumers with excellent FICO scores (usually around 760 or higher, though every lender has different standards) are likely to get the best rates when they borrow, as well as the best discounts on insurance.

There are five main factors that go into FICO scores, and they each have a different effect on your score. Here’s the breakdown:

  • Payment history (35% of the FICO score)
  • Debt/amounts owed (30%)
  • Age of credit history (15%)
  • New credit/inquiries (10%)
  • Mix of accounts/types of credit (10%)

All of these factors are considered in other credit score models, so it’s safe to say that if you have a strong FICO score you likely have a good score with other models as well. However, for some people, the weight of these categories can vary. For example, people who haven’t been using credit for very long will be factored differently than those with a longer credit history, according to FICO. So, the importance of any one of these factors depends on the overall information in your credit report.

That’s why it’s a good idea to not get too hung up on the specific number of your credit score. Instead, focus on what areas of your credit are strong and which ones you might want to work on.

While FICO considers a wide range of information to come up with your credit scores, there is a lot of information that is not used. According to FICO, the scores do not consider anything that isn’t on your credit report, which includes your race, religion, national origin, sex, marital status and age. Here are some other things that FICO says it does not factor into its scores:

  • Employment information, including your salary, occupation, title, employer, date employed or employment history
  • Where you live
  • The interest rates on your credit accounts
  • Child or family support obligations
  • “Soft” inquiries (requests for your credit report), which include requests you make to see your own credit reports or scores
  • Any information that has not been proven to be predictive of future credit performance
  • Participation in a credit counseling program

FICO has dozens of credit score models. Some are specific to what the consumer is applying for. For example, if you’re applying for an auto loan, your potential creditor may use a FICO score formula that gives significant weight to your history of making auto loan payments. Other models are customized for FICO’s clients.

Additionally, FICO updates its general formulas from time to time, with the most recent being the FICO 9 rollout in 2014. Paid collection accounts are not factored into FICO 9 scores, and unpaid medical collections have less of a negative impact on credit scores, compared to other credit scoring models and previous FICO algorithms.

With a free account, you get two free credit scores. This is not a trial offer, there is nothing to cancel and you won’t be asked for your credit card information.

You can also purchase a FICO score online, and some credit card companies also provide free credit scores with an account or on your regular statement.

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We address a lot of your questions in this article: Why Do I Have So Many Credit Scores?. As for why you have to pay for FICO#8217;s scores, that#8217;s a business decision they have made. They aren#8217;t required by law to provide consumers with free FICO scores.

The issue is not whether or not you pay your premiums. The issue is the likelihood that you will make a future claim, thus costing the insurance company much more than your insurance premium.

Quite funny. If the Insurance company does not intend to pay the customer, then why in the world would someone ever get insured and keep paying premiums. Just to feed the insurance company?

So true,i agree with you

FICO scores are provided for free by Discover and Merrick bank. Discover has the score on your monthly statement, whereas with Merrick you need to log on to your account to get it. According to Credit Karma, my TransUnion score is 680. According to, my Experian score is 704. According to Discover and Merrick bank my FICO scores are 639 and 626, respectively. You don#8217;t have to pay for your scores, you just have to know where to look for them.

I can#8217;t seem to find where to access my FICO score on the Merrick Bank website, just a document about understanding how to read your FICO score. I only have a credit card with them, could this be why? They also, unfortunately, don#8217;t have a search bar.

My score is opposite to yours, . . . My experian is 717, . . . . my transUnion is 734 and Equifax is 736. You just can#8217;t figure out how they calculate the score. No correlation between agencies.