MyFICO Credit Score Estimator Review

MyFICO's credit score estimator tool is a useful way to estimate your FICO score without actually paying for the real thing. Keep in mind that this tool does not pull your credit report data, it just goes by the answers to the questions they give you. It can be pretty accurate though, so if you answer the questions honestly, you can get a good idea of what your actual credit score is.

Pros: No account to sign-up for, no fees ever, completely anonymous

Cons: Not an actual credit score, no real credit data is used

Standout Features

Trial Info None
Credit Scores Estimated FICO Score
Credit Reports None
Credit Reports Monitored None
ID Theft Coverage None
Price Always free

Full Review

MyFico Credit Score Estimator is a great free tool to estimate your FICO credit score. It’s completely anonymous, doesn’t require any sort of identifiable information at all, not even an e-mail address! No membership to sign-up for, nothing – just answer a few questions as accurately as you can, and your estimated score will be given to you instantly.

Free credit score estimate

This tool is great for estimating what your actual FICO credit score should be, without entering your social security number, name, not even an e-mail address. It requires no personal information at all, it’s completely anonymous. Just answer some basic questions about your credit history, and you will be presented with an estimate of your FICO credit score.

It’s also great to be able to see how different scenarios can affect your credit score. Since it’s completely free and anonymous, you can answer the questions honestly and see what your current score should be. Or if you would like to see how paying down your credit cards or loans, or maybe just obtaining a new credit card could affect your credit, it’s very simple to change one or two questions to see how those actions would positively or negatively affect your credit score.

It can serve as kind of a “what if” scenario estimator as well. What if I paid off my student loans? Or what if I was approved for a mortgage and bought a home? You can go modify your scenario to reflect what these actions would do to your credit. That’s one of our favorite things about this tool.

It’s not an “actual” credit score, but it can be fairly accurate in estimating your score, and it’s a great tool to help you understand your credit better and how much different things can affect your score.

Bottom Line

Everyone should use this tool. Besides being a fairly accurate estimate of your actual score, it’s a great learning tool. I’ve spent a lot of time modifying my answers to see how it affects the outcome. It’s no substitute for checking your real credit score, but it’s should definitely be part of your credit arsenal. Check out it!