What credit score app is most accurate

*Requires paid service* *Note that versions 3.0 and later have improved VoiceOver (accessibility) implementation.*

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What’s New
Ratings and Reviews
Great if looking for a house
Inaccurate and faulty...
Sorry but this was my experience
App Privacy
Data Used to Track You
Data Linked to You
Information
More By This Developer
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What is the most accurate site for credit score?
Is Credit Karma or Experian the most accurate?

90% of top lenders use FICO® Scores– do you know yours? Get your FICO Score, from FICO. Compare your FICO Scores and credit reports from all 3 bureaus—Experian, TransUnion, and Equifax—side-by-side and get the right credit score for your goal. And don’t worry– checking your own credit will not hurt your score.

Although they may look the same, other credit scores can vary as much as 100 points from your FICO Score. With myFICO, you can view and monitor your FICO Scores and credit reports right from your fingertips. You'll get alerts on your iOS device when changes are detected.

Features

• FICO® Scores – Check your FICO Scores while on the go, including versions used in mortgage, auto and credit card lending

• Insights – Learn how your credit history affects your FICO Scores

• FICO Score Simulator – Explore how different actions could affect your FICO Scores

• Alerts – Monitor your credit and identity

• Reports – Instantly access your credit reports and credit data

• Score History Graph – Track your FICO Score 8 over time

• Credit Education – Explore videos and educational content to learn about credit and FICO Scores

• Fast and secure login with fingerprint, face or other biometric (on supported devices) plus 2-Step Verification option

Certain features are available only with eligible myFICO subscriptions. Learn more at www.myfico.com.

What’s New

Aug 4, 2022

Version 3.0.11

Performance and stability improvements

Ratings and Reviews

4.8 out of 5

26.8K Ratings

Great 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

Inaccurate and faulty...

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

Sorry but this was my experience

This app 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 this app, 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 this app 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.

App Privacy

The developer, FICO, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

Financial Info
Contact Info
Identifiers
Usage Data
Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller

Fair Isaac Corporation

Size

52.8 MB

More By This Developer

What is the most accurate site for credit score?

Best Overall AnnualCreditReport.com The Consumer Financial Protection Bureau confirms that AnnualCreditReport.com is the official website that allows you to access each of your credit reports from all three of the major credit bureaus — Equifax, Experian, and TransUnion — at no cost.

Is Credit Karma or Experian the most accurate?

Experian vs. Credit Karma: Which is more accurate for your credit scores? You may be surprised to know that the simple answer is that both are accurate. Read on to find out what's different between the two companies, how they get your credit scores, and why you have more than one credit score to begin with.