Sign in to MyFICO with your email and password
To access your MyFICO account, go to www.myfico.com and look for the Sign In button in the top right corner of the homepage. Enter the email address you used when you created your account, then enter your password. Click Sign In to proceed.
If you remember both your email and password, you should reach your account dashboard within seconds. Your dashboard shows your credit scores, credit reports, and any monitoring services you have active.
MyFICO accounts are personal — only you can log in with your credentials. Do not share your password with anyone, including MyFICO staff or customer service representatives.
Key Takeaways
- Visit www.myfico.com and click the Sign In button to reach the login page.
- Use the email address and password you created when you set up your MyFICO account.
- If you forget your password, use the "Forgot Password" link to reset it by email.
- Two-factor authentication is optional but adds security by requiring a code sent to your phone or email.
- Once logged in, you can view your credit scores, credit reports, and manage any monitoring subscriptions.
Reset your password if you cannot remember it
On the MyFICO sign-in page, click the Forgot Password link below the password field. Enter the email address associated with your account. MyFICO will send you a password reset link to that email address.
Open the email from MyFICO and click the reset link. You will be taken to a page where you can create a new password. Make your new password at least 8 characters long and include a mix of uppercase letters, lowercase letters, numbers, and symbols for better security.
After you set your new password, return to the sign-in page and log in with your email and your new password. If you do not receive the reset email within a few minutes, check your spam or junk folder.
Turn on two-factor authentication for extra security
Two-factor authentication (2FA) requires you to enter a second code when you log in, making your account harder to access if someone learns your password. Once you are logged in, go to your account settings and look for Security or Two-Factor Authentication.
MyFICO offers two-factor authentication through your phone number or email address. Choose which method you prefer. If you choose phone, MyFICO will send a code to your phone via text message each time you log in. If you choose email, the code arrives in your inbox instead.
Save your backup codes in a safe place. If you lose access to your phone or email, these codes let you sign in without waiting for a new code to arrive. Do not share backup codes with anyone.
What to do if you cannot log in
If you enter your email and password but the system says they are incorrect, first double-check that you are typing them correctly. Passwords are case-sensitive, meaning capital and lowercase letters matter. Make sure Caps Lock is not on.
If you are certain your password is correct, use the Forgot Password link to reset it. If you are not sure which email address you used to create your account, try logging in with each email address you use regularly.
If you have never created a MyFICO account before, you will need to set one up first. You can do this on the MyFICO homepage by clicking Sign Up or Create Account. You will need to provide your name, email address, and Social Security number to create an account.
Understand what information you see after logging in
Your MyFICO dashboard displays your credit scores from each of the three major credit bureaus: Equifax, Experian, and TransUnion. The scores shown are FICO scores, which are the scores most lenders use when you explore for credit.
You can also view your full credit reports, which list your accounts, payment history, and any negative marks like late payments or collections. Your reports show which accounts are open, closed, or in collections, and how much you owe on each one.
If you have a MyFICO monitoring subscription, you will see alerts about changes to your credit reports, such as a new account opened in your name or a late payment reported. These alerts can help you spot fraud or errors early.
Log out safely when you are finished
When you are done viewing your account, click the menu icon or your account name in the top right corner and select Sign Out or Log Out. This closes your session and prevents someone else from accessing your account if they use your computer afterward.
If you are using a shared computer, always log out before you leave. If you are using your own device, logging out is still a good habit, especially if you have two-factor authentication turned off.
If you close your browser without logging out, your session will end automatically after a period of inactivity, usually 15 to 30 minutes. However, it is safer to log out yourself rather than rely on automatic timeout.
Frequently Asked Questions
Do I need to pay to create a MyFICO account?
Creating a MyFICO account is free. You can view your credit scores and reports at no cost. MyFICO also offers paid monitoring services and credit analysis tools, but the basic account and login are free.
Can I log into MyFICO on my phone?
Yes. MyFICO has a mobile app for iPhone and Android devices. You can read it from the App Store or Google Play and log in with the same email and password you use on the website. The app shows the same information as the website.
What should I do if I think someone else logged into my account?
Change your password when ready using the Forgot Password link. Then review your account activity and credit reports for any unauthorized changes. If you see accounts or inquiries you did not create, contact the credit bureaus and MyFICO customer service to report the issue.
Is it safe to save my MyFICO password in my browser?
Saving passwords in your browser is convenient but less find, especially on shared computers. If you use your own device and keep it password-protected, browser password storage is reasonably safe. On a shared computer, do not save your password.
How do I update my email address or phone number in MyFICO?
Log into your account and go to account settings or profile. Look for a section labeled Contact Information or Account Details. You can update your email address and phone number there. MyFICO may ask you to confirm the change by sending a verification code to your current email or phone.