Free credit profile diagnostic · myFICO vs. the diagnostic
Same report. Same five minutes. One shows you the numbers. The other reads them the way an underwriter does.
Your myFICO report
The free diagnostic
How lenders read you
—Not shown. A score is not a read.
✓Two grades — secured lenders and unsecured lenders — on a four-rung scale, with the reasons under each
What's working against you
—Score factors, in FICO's language
✓Every item named in plain English, grouped the way the credit reporting agencies weigh them
Your cards
—Listed together, one total utilization
✓Card by card — over-limit cards, cards carrying balances, your cards vs. someone else's, and whether one card is carrying the whole profile
Depth
—Not measured
✓How many cards you actually own, the age of your oldest open one, and the highest limit anyone has ever trusted you with
Lender tells
—Not identified
✓Secured cards, subprime issuers, consumer finance lenders, card-only history — what an underwriter sees in thirty seconds
Your scores
—FICO 8 up front, the rest in a list
✓All 14 versions compared, with the mortgage and trend versions flagged when they run below the headline
Your identity data
—Three agencies, shown separately
✓Compared — a birth date, name, or address that differs between agencies is called out
The next 24 months
—A snapshot of today
✓What changes on its own and when — items that stop reporting, inquiries that stop counting, a closed account about to take years of history with it, your average age crossing a line
Openings
—Not identified
✓Whether you're a candidate for a faster average-age lift, the dollars between you and the next utilization line, how many places the agencies disagree about you, and which agency's score a mortgage lender will actually use
Is the report even complete?
—No way to know
✓Checked. A condensed export is caught, and you're told exactly which box to uncheck
What you keep
—A dashboard you log into
✓A PDF, a private results page, a copy in your inbox — and a contact address on every page