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Review of myFICO.com FICO Score Estimator

What's A Credit Score?

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User Rating 1 Star Rating (1 Review)


Your credit score is a numerical representation of the information that's in your credit report. Think of it as a GPA for your credit. It's a good idea to know your credit score, especially if you plan to apply for credit cards or loans. You can use a credit score estimator like the one found at myFICO.com to estimate your credit score.

How To Use The FICO Score Estimator

The FICO score estimator found at myFICO.com asks questions based on information in your credit report - the number of credit cards you have, the age of your oldest credit account, the number of applications you've recently made for credit, and the number of delinquent accounts you have.

Based on how you answer the questions, the estimator will give you a range in which your FICO score might fall, like 540-570 or 700-750.


Since the score estimator is powered by FICO, the questions asked fit into the credit scoring categories - payment history, debt level, age of credit, inquiries, and mix of credit. Your answers to these questions are likely scored the same way as if the information came directly from your credit report.

The tool will let you answer questions inconsistently, so you have to make sure you answer as accurately as possible. For example, I answered that I had two credit cards in one questions and that I'd never had another credit card in another question and still received an estimate.

Using the score estimator is easier if you have recent copy of your credit report. Federal law allows to get one free credit report each year from each of the three credit bureaus.

User Reviews

Reviews for this section have been closed.

 1 out of 5
Myfico.com is a very BAD business!, Member Frostbite_1

Did the free trial with myfico.com and was about 9 hours late in canceling my subscription. Tried my hardest to get out of the 3 month charge for their services (especially since my trial ended on a Sunday and I called them on Monday morning) however the 30 day trial is a strict ""no mercy"" policy. I then told the agents to please cancel my account after the 3 month minimum, which they agreed to do. Unfortunately I didn't watch my credit card statements close enough and now 7 months later just realized that they never canceled my account and have been billing me monthly for a service I only used on the first day of my trial! Again went to their customer service department who was unrelenting in saying ""you're stuck"". Do not do business with this company, it's a trap!

23 out of 39 people found this helpful.

LaToya Irby
About.com Credit / Debt Management

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