Software Alternatives & Reviews

Annual Credit Report VS myFICO

Compare Annual Credit Report VS myFICO and see what are their differences

Annual Credit Report logo Annual Credit Report

Annual Credit Score is a software that provides information about the yearly credit report by collecting the overall data of the consumer.

myFICO logo myFICO

myFICO offers credit reporting and monitoring solutions.
  • Annual Credit Report Landing page
    Landing page //
    2020-02-24
  • myFICO Landing page
    Landing page //
    2023-10-09

Annual Credit Report videos

CHECKING YOUR CREDIT REPORT | Annual Credit Report | Credit Reporting Agencies | Debt Free Journey

More videos:

  • Tutorial - How To Check Your Annual Credit Report for Free

myFICO videos

MyFICO Review [Is MyFICO A Credit App Worth Using?]

More videos:

  • Review - Is myFICO worth it? I bought MY credit scores to see!
  • Review - myFICO | What I Learned About My Credit Score While In The Bathroom | Top 3 Credit Hacks

Category Popularity

0-100% (relative to Annual Credit Report and myFICO)
Credit Builder
24 24%
76% 76
Personal Finance
27 27%
73% 73
Finance
22 22%
78% 78
Tax Preparation
100 100%
0% 0

User comments

Share your experience with using Annual Credit Report and myFICO. For example, how are they different and which one is better?
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Social recommendations and mentions

Based on our record, myFICO seems to be a lot more popular than Annual Credit Report. While we know about 96 links to myFICO, we've tracked only 7 mentions of Annual Credit Report. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

Annual Credit Report mentions (7)

  • Does it hurt my credit to apply for credit cards?
    You can also continue to access your full credit reports (no scores at all) via this official service: http://annualcreditreport.com/index.action. Source: almost 2 years ago
  • Anyone else denied at 4/24?
    Check your credit reports. http://annualcreditreport.com/index.action. Source: about 2 years ago
  • Social security and credit card
    First, check all three of your reports. Use http://annualcreditreport.com/index.action if you haven’t already done so. Source: about 2 years ago
  • Concerned about Fico Score Discrepancy
    Reporting differences could be another. You can view your 3-bureau credit reports for free at http://annualcreditreport.com/index.action. Source: about 2 years ago
  • Credit Report ? Update question.
    Experian’s service (paid or free) is more useful for comprehensive score monitoring than CK, but CK‘s daily updates can be useful to monitor for any unexpected/fraudulent activity. You can also check your credit reports (no score) for free every week at this official site: http://annualcreditreport.com/index.action. Source: about 2 years ago
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myFICO mentions (96)

  • APR for Credit Cards - Discover It Card; False Advertising and Lies?
    You appear naiive in every sense of the word. Stop getting your info from your "trusted adult" or reddit for that matter. Get your credit report and scores from the only trusted sources: MyFico or Annual Credit Report. Read the government housing websites, or even go over to the forum community on MyFico, which I personally like. If you follow through, you won't need to ask questions like this. Source: 5 months ago
  • Stuck at 741 - Card Recommendation Please
    Yeah, we all have 40+ different credit scores. Your CK scores are "legit" in terms that they're accurate VS3 (VantageScore 3.0) it's just that VS3 is rarely used in lending decisions which makes them nearly irrelevant. Fico scores are used the the majority of lending decisions, with Fico 8 being the most commonly used model today. The Fico 9 you are getting is lesser used than Fico 8 since few lenders adopted... Source: 10 months ago
  • What information shows up on a "hard pull" and "soft pull" of a credit report?
    When a company does an inquiry without your requesting it, like for a "pre-qualified" offer for a credit card, that's a soft inquiry and it doesn't show as a hard inquiry on your credit report. You can also check your OWN credit like on myfico.com, and that's a soft inquiry. Background checks are also in this category. Source: 10 months ago
  • Have 3 Credit Cards Maxed out. What's my best course of action?
    You should go to myfico.com for credit help. This subreddit is know for some awful advice lol. Source: 10 months ago
  • Confusion on Bank of America card recommending service.
    Go sign up for an account on myfico.com or experian.com to see what your actual FICO scores are. You should also pull your credit report from annualcreditreport.com. Source: 10 months ago
View more

What are some alternatives?

When comparing Annual Credit Report and myFICO, you can also consider the following products

WEBFIN - WEBFIN is a loan management solution that supports multiple features such as pay system integration and credit bureau data management.

Experian - Your credit report, FICO Score, and more. All free.

Debtorcare Credit Control - Deptocare is risk management and credit reporting software.

Anytime Collect - Anytime Collect is an automated accounts receivable credit and collections software.

YayPay - YayPay is AI to accelerate cash flow and automate accounts receivables.

Credit.com - Credit.