myFICO Free Trial

How to Get a myFICO® Free Trial in 2023 with StellarFi Virtual Bill Pay Card

Join the people nationwide who build credit with StellarFi. Start building credit with every bill you pay today.

myFICO® helps you track your FICO® scores to help you apply for loans more confidently. They provide the FICO scores based on reports from three major credit bureaus: Experian®, TransUnion®, and Equifax®

Does myFICO have a free trial?

Yes. myFICO has a free plan which does not require a credit card. Your plan renews automatically every month at $0.

To sign up for the myFICO free plan: 

  1. On the myFICO website, click on “Start Free Plan”.
  2. Create an account by entering your email address and choosing a password. 
  3. Enter other personal details like name, social security number, address, and date of birth; click “Continue”.
  4. Review and click on “Submit”.
  5. myFICO will then verify your account and confirm. 

What features can I access with the myFICO free plan?

These are the features that come with the free plan: 

  1. Credit reports from only one bureau (Equifax)
  2. FICO scores
  3. Credit reports
  4. Scores and credit monitoring

How much does a myFICO paid subscription cost?

These are their prices as of May 2023. You can find out about their other plans here

FeaturesCredit reporting to three bureaus monthly updatesFICO ScoresMortgage scores, auto loan scores, and more monitoring of scores and creditIdentity theft insurance worth $1millionIdentity monitoring and restorationCredit reporting to three bureaus monthly updatesFICO ScoresMortgage scores, auto loan scores, and more monitoring of scores and credit identity theft insurance worth $1millionIdentity monitoring and restoration

How can StellarFi help with your myFICO subscription?

Use StellarFi for your billing needs on myFICO and spend less time worrying about your bill payment dates and more on managing your finances. All you need to do is subscribe to StellarFi and link your myFICO payments to your StellarFi Virtual Bill Pay Card. 

StellarFi also helps you build a strong credit score by paying all your other regular bills on time and reporting those payments to all major credit bureaus.

StellarFi takes the pain and stress out of building credit:

  • No credit check or minimum score to join
  • No deposit required
  • No interest charges or surprise fees
  • No new debt

StellarFi helps improve the credit factors that impact your score the most, by optimizing your payment history, credit utilization, credit mix, and more.

As StellarFi reports all your on-time monthly bill payments to all major bureaus, your credit score gets higher each time a bill is paid on time!

StellarFinance, Inc. does not necessarily constitute or imply its endorsement, recommendation or favoring, sponsorship, or representation in reference to any specific company, products, processes, or services by trade name, trademark, manufacturer, or otherwise in this article.

How it works

Get your free credit report

Create your profile on Impact in just a few minutes. You should receive a response within 1-2 business days.

Add and pay bills

Make automatic bill payments using StellarFi’s Virtual Bill Pay Card. Next, we report on-time payments to all major credit bureaus each month.

Build credit score

Credit scores increase while we build payment history, optimize credit utilization, and more.

Start building credit with StellarFi