FICO® Standard

FICO Standard lets you choose individual FICO® credit scores and credit reports from TransUnion, Experian, and Equifax.

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Price: $15.95

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Features:

FICO® Score*

Sample FICO score Your FICO® Score

Get your FICO® scores from your choice of Equifax, Experian or TransUnion. Each comes with a full explanation of the credit score and how lenders view you. Also includes actions you can take to get your FICO® score into the higher ranges.

Credit Report*

Sample credit report Your Credit Report

Get your credit reports from your choice of Equifax, Experian or TransUnion. Each credit report is a detailed snapshot of credit cards and loans opened in your name, companies accessing your credit file, delinquent payments and more.

FICO® Score Simulator

Sample FICO score simulator FICO® Score Simulator

This simulator analyzes your personal credit information and answers questions such as, "What happens to my FICO® score if I pay off a credit card or open a new account?" (Available for TransUnion and Equifax reports only.)

*About FICO® scores and credit reports
FICO® scores are the credit scores most lenders use to determine your credit risk. You have three FICO® scores, one for each of the three credit bureaus - Experian, TransUnion, and Equifax. Each FICO® score is based on the information that each credit bureau keeps on file about you. As the information in each of your credit reports change, your credit scores tend to change as well. When you purchase your FICO® scores and credit reports, you are getting a snapshot that is accurate at the time of your purchase. However, it's important to note that as the information in your credit reports changes, your FICO® scores can also change. That's why we recommend checking all three of your FICO® scores and credit reports regularly - at least once a year.

Details:

FICO® Credit Scores

  • Your choice of FICO® scores and credit reports from Equifax, Experian or TransUnion
  • Each FICO® credit score and credit report costs $15.95
  • Includes an explanation of factors affecting your FICO® scores

Credit Reports

Each credit report lists your:

  • Credit accounts, including all credit cards, auto loans, student loans, and mortgages in your name, including:
    • Creditor and account number
    • Balance
    • Date opened
    • Payment history
    • Current status, such as "OK", "Closed by customer", "30 days late payment", etc.
  • Inquiries: recent applications for new credit
  • Collections: when a collection agency is seeking you to repay a debt
  • Public Records: court judgments such as a bankruptcy, foreclosure, or tax lien

FICO® Score Tools

  • The FICO® Score Simulator shows how your FICO® credit score from TransUnion or Equifax can change when you:
    • Pay your bills on time for many months
    • Miss a payment
    • Pay down your debt balances right away or every month
    • "Max out" your credit cards
    • Get a new mortgage
    • Get a new auto loan
    • Get a new credit card
    • Get instant credit at a department store
    • Apply for a new credit card and transfer balances to it
    • Declare bankruptcy

Other

  • Printable version available
  • Accessible from either PC or Macintosh with an Internet connection and with Internet Explorer 5.0 or better, or Netscape 6.2 or better
  • FICO® scores and credit reports are viewable for 30 days from the date of purchase

Why you need all 3 of your FICO® scores

Each of your credit reports may be different

Credit bureaus don't share their data with each other. Each of the three national bureaus may have different data on you - and you won't know it until you check.

Each of your FICO® scores may be different

You have a FICO® score from each credit bureau. Since your credit reports may be different, your FICO® scores can also be different, sometimes by as much as 100 points.

Lenders may look at all three of your FICO® scores

Many lenders, especially mortgage lenders, look at all three of your FICO® scores to determine whether to grant credit - for everything from a car loan to a home loan to a credit card to a cell phone. Even if a lender looks at just one FICO® score, you often won't know which one. Don't be surprised at the last minute when applying for credit.

To protect yourself against identity theft, you need to look at all three FICO® scores and credit reports

Your first sign of a stolen identity may come from the information in each of your credit reports, including lines of credit that you did not open and home addresses that are not yours. You need to regularly look at all three credit reports and FICO® scores to rest assured that your credit and your identity are safe.

FICO® Standard

Price: $15.95

Buy Now