List Of MyFICO Promotion Codes and Discounts

Published 5/18/09 (Modified 3/22/11)
By MoneyBlueBook

Updated List Of FICO Discounts and Free FICO Score Offers Below!

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Welcome to my FICO coupon deals, promotional discounts, and exclusive myFICO.com web bargains page. Here you will find a regularly updated list of myFICO coupons and promo codes to help you save money on genuine FICO score products. To ensure that you get credit for the myFICO promotion offer that you seek, make sure to visit the desired link below and follow the appropriate coupon redemption instructions. Also, it would be of great help to myself and fellow readers if you'd post a comment below about any new myFICO.com coupon codes or special discount offers not already listed, as well as bring to our attention any myFICO promo codes mentioned below that may have already expired.

As we all know, credit scores are numerical representations of credit worthiness, and are one of the most determinative factors that mortgage lenders and major banks base their approval decisions on. While there are several credit score variations out there, the most popular and widely used is the FICO. As American consumers, we each have a total of 3 FICO credit scores - one from each of the three major credit bureaus (Experian, Equifax, TransUnion). While the three FICO scores are derived from the same proprietary formula, differences in credit reporting data often cause the individual scores to differ somewhat from each other. Routinely checking one's credit score (whether via a credit monitoring program or via manual credit score pulls) is a recommended activity in this modern day and age. Regularly monitoring my FICO credit score is one of the ways I keep a close pulse on this very integral part of my personal financial life. Knowing where you stand in the eyes of potential lenders is particularly crucial when you are in the process of applying for credit-based products like home mortgages, car loans, or even balance transfer credit cards. It's also a very effective and pro-active way to prevent identity theft and be informed of any unauthorized or fraudulent access to one's credit accounts.

Save Money On MyFICO Credit Scores With FICO Promo Codes and Coupons

Current federal laws give all American consumers annual access to their free credit reports from each one of the 3 major credit bureaus of Experian, Equifax, and TransUnion. However, while personal credit reports are available free of charge, FICO credit scores derived from the credit data found on these reports are not. If you want your FICO score, you generally have to pay extra for it. Fortunately, there are currently a variety of ways for savvy consumers to enjoy up to 20-30% discount savings off of their FICO score purchases with the use of FICO promo codes. There are even a few arbitrage ways for resourceful consumers to snag free FICO scores by taking advantage of special trial offers.

Presently, authentic Experian, Equifax, and TransUnion FICO scores can only be obtained from the official myFICO.com website or via an authorized partner. While Equifax and TransUnion FICO's are freely available for purchase, those looking to obtain their Experian FICO scores will note that they are no longer readily provided to consumers. Due to a major contractual dispute between myFICO and the Experian credit reporting agency, myFICO authorities have discontinued the sale of Experian FICO's to consumers. For now at least, consumers will have to make do with what's available. Most of us should be able to reasonably compensate by requesting the other two FICO's via Equifax and TransUnion. Knowing your scores based on Equifax and TransUnion data ought to give you a fairly accurate approximation of where you likely stand with Experian as well, barring any significant credit report discrepancies or errors.

Special limited time discounts and exclusive FICO promo codes are frequently released by myFICO.com. A list of verified and updated codes and discount coupons have been provided in the table below. Please visit the desired coupon links to make your credit score product purchase. The myFICO promotional codes should appear automatically in your online shopping cart during the check out process. In the event the coupon has expired or has not been automatically inserted into your checkout page, please manually insert a working myFICO promo code into the correct box to ensure that you get credit for it.

List Of The Best myFICO Promotional Discount Deals (Expiration Varies)

MyFICO Offer Name	MyFICO Coupon Code
30% off entire myFICO.com order	MYFICOIS8
20% off all myFICO credit score products	CPPSAVINGS
20% off a FICO score & credit report	FICOMAY20
20% off Suze Orman's MyFICO Platinum Kit	SUZEFKP
15% off any myFICO credit product	UNIONPLUS
10% off any purchase of myFICO Standard	SPOUSE4993
10% off entire myFICO order	MYFICO132
Free FICO Score via MyFICO Credit Score Watch	Free 30 Day Trial
Free FICO (Equifax) and 3 Free Credit Reports	Free 30 Day Trial
Free FICO Credit Score Estimator	Free Credit Score

In case you are are not entirely familiar with the different myFICO credit score packages mentioned above, here is a quick summary overview:

myFICO Score Watch - There is a free 30 day trial with the FICO Score Watch program. Simply sign up and cancel within 30 days, and you'll walk away with a free FICO credit score. This is the online tool I use to continuously monitor my FICO credit score changes. I like how it charts my FICO profile changes over time and gives me continuous and unlimited access to my FICO on demand. With this offer, you also get 2 free credit reports a year from Equifax. For more information, check out myFICO review.
myFICO Score Standard - You get your choice of a single official FICO credit score and credit report from Equifax or TransUnion. This is probably the most popular option for those looking for a home or car loan right now and just need to know their FICO credit rating as it currently stands. Price is $15.95 - but can be easily reduced with one of the discount codes above.
Suze Orman's FICO Kit Platinum - This is basically the former myFICO Credit Complete package but with extra commentary by popular financial guru Suze Orman. With the Suze Orman FICO kit, you get your FICO scores and credit reports from Equifax and TransUnion, along with extra media material to help you better plan out your credit-based life, with particular attention given towards home and car buying decisions, and extras on how to get out of credit card debt. Price is $49.95. Don't forget to use one of the 10% to 30% codes to reduce the price.
myFICO Quarterly Monitoring - With the FICO Quarterly Monitoring package, myFICO will track your TransUnion FICO score and credit report for you (a useful anti-identity theft feature). You'll also receive 4 FICO scores and 4 reports every year through TransUnion. Currently, the price is: $4.95 per month or $49.95 per year. Remember to use myFICO promo codes to maximize your discount savings.

As always, please let me know if there are any more myFICO savings deals or exclusive FICO promo codes out there!

This entry was posted on 5/18/09 (Modified on 3/22/11) and is filed under Credit Cards , Deals and Offers . You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response.

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17 Responses to “List Of MyFICO Promotion Codes and Discounts”

Biggie Smalls says:
May 18, 2009 at 12:23 pm
Yup! CPPSAVINGS promo code worked for me. Just got my 20% off savings - I ordered the myfico standard...got my single fico score and credit report. My fico's 802 - haha top that!
Tina says:
May 18, 2009 at 2:17 pm
Why the obsession with your credit score? Your myfico score is only really important if you are anticipating a car buy or home loan. Otherwise, it's just another number that you don't need to worry too much about.

Congratulations on your impressive FICO score Biggie Smalls, but it's not exactly something that deserves excessive celebration over.
Lev says:
May 18, 2009 at 2:32 pm
> Your myfico score is only really important if you are anticipating a car buy or home loan.

I agree. But when you decide to buy a car or get a mortgage and you find out that your scores are too low it may be too late. So the time to check them and correct errors, etc is now, not when you need a loan.
Last year we got penalized half a point ($2500) because one of our scores was 718 instead of 720.

Regards,
Lev
AMH says:
May 19, 2009 at 11:34 am
Yep, you can't wait until the last minute to check out your scores. Bad ratings mean bad loan rates and higher mortgage expenses.
Kate says:
May 19, 2009 at 2:55 pm
I agree! It might not seem important now, but it's important to monitor your credit score now so that it doesn't cause a problem in the future. It's just one of those small steps we call can take to make a big difference in our financial lives-- or as the book calls it, The Power of Small. I'll be paying even closer attention now. BTW-- if interested, today's post on My Two Dollars talks about credit scores as well and I found it really helpful!
Dina says:
May 19, 2009 at 4:56 pm
Just got my FICO score with the CPPSAVINGS promotional code. I think it's the most reliable discount myfico code offer I've seen over the years. Easy peazy to use
Kelly says:
May 21, 2009 at 1:47 am
Doesn't it ding my credit score to get a report through myFICO.com? I thought the only way to avoid dinging one's credit was to obtain a report DIRECTLY through the 3 credit agencies oneself, i.e. not via lenders while one is shopping for a loan. I realize myFICO.com is not a lending institution, but it's still a 3rd party. Can anyone verify that there is no effect on my credit score when I sign up for the free 30-day trial to get my FICO score?
Christine says:
May 21, 2009 at 10:18 am
Kelly---

myFICO.com is the official provider of fico credit scores. They are basically the online division of the Fair Isaac Corporation who developed the fico. They get royalty payments from the big three credit agencies (Equifax, Experian, TransUnion) when they use the fico formula in their credit score sale. Yes, you can indeed buy your fico credit scores directly from the 3 credit agencies but you can also buy them directly from myfico.com as well.

Both methods constitute as checking your own credit report and credit score. Both are considered soft credit checks that do not ding or harm your score. I have used the myfico scorewatch product for like 2 years already to get my regularly updated monthly fico scores and there have been no hard credit inquiries made on my reports. Even if you use the 30 day trial credit watch offer via myfico.com, it's still considered a harmless personal credit pull.
Lev says:
May 21, 2009 at 10:24 am
> Doesn't it ding my credit score to get a report through myFICO.com?

No, it doesn't. It only happens when a lender pulls your scores/reports.
Kelly says:
May 21, 2009 at 11:47 am
Thanks Christine (and Lev) for clarifying the difference between a soft and hard check. I'm looking for a construction loan and in this environment, I need every point I have on my FICO.
Sarah says:
May 22, 2009 at 5:12 pm
Okay I just used a myFICO code and got my credit score promo discount. Excellent deal. The myFICO code I used is still good and active...not sure about all of the myFICO promo codes listed above however. Maybe it's time to update a few of them?

I got my hands on my Equifax FICO credit scores and my TransUnion FICO, but nowhere can I find my Experian FICO score. I read your blog post about Experian myFICO scores but it looks like I may be out of luck on this one.

But, Does the Suze Orman FICO platinum kit offer Experian FICO's? The Suze Orman website link, if you read it carefully, gives some conflicting information. I'm not sure whether the guys over at myFICO have merely omitted some information or whether Experian FICO's are still available. On one hand while it indicates that you get access to all 3 of your personalized myFICO credit reports and 3 myFICO scores (presumably from all 3 credit bureaus - Equifax, Transunion, AND Experian), it also indicates access to Equifax and Transunion scores only. I'm just a bit confused. Can anyone share the correct answer on this matter?

And Also, in regards to the hard credit pull and soft credit pull questions about concerning myFICO, no - getting your credit scores from myFICO does not ding your score. It's considered a personal self initiated request and is perfectly harmless. I've been pulling my own FICO scores for years without harm. If it was hurting my score, I would most definitely know!
April says:
May 31, 2009 at 8:35 pm
Question about the myfico credit estimator. How accurate is it in projecting one's real fico credit score? It's run by the same guys who created the myfico score so I assume their online testing system is pretty accurate. Has anyone tried to compare their myfico credit score estimations with their actual scores?
Evansvile Coupons says:
June 3, 2009 at 8:28 pm
There's absolutely no reason not to use coupons. I've become very fond of them, especially lately with prices in the grocery skyrocketing. Why wouldn't you use coupons, its like free money!
FICO Codes To Go says:
June 13, 2009 at 12:59 am
Cool beans....got the free myfic code I wanted...got my credit score...pleasantly surprised. Too bad these free fico score trial periods are not re-usable an unlimited number of times. I think they cap it per credit card number or perhaps by identity.
Kelly says:
June 13, 2009 at 1:45 pm
Wanted to report that one lender I talked to was not interested in seeing the report I pulled myself from myFICO. He said that people have altered reports that they have pulled and thus the only credit score that his financial institution trusts is one they have pulled themselves.

I doubt I will be moving forward with this lender (not for this reason), but I wanted to mention it and see if anyone else had experienced this. It sounds like most people here are monitoring their credit for their own use, but the reason I came to know about this website was a lender's webpage had a link. The lender suggested that borrowers pull their own credit reports when shopping loans so that the potential lenders weren't all dinging your credit. Made sense to me.
Deal Therapy says:
August 5, 2009 at 2:18 am
I really appreciate with the information which you have write. Promotional codes, coupon codes, discounts and offers save the money of buyers. By providing these you can also market the product well.
Alex Post says:
October 8, 2010 at 1:51 pm
I used the promotional code and signed up at My FICO. I've heard great things about them. Thanks for the code.