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Security report for myfico.com

myFICO · Finance · N/a

Low risk. 3 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

77/100

Risk levelLow

0–100, higher is better. How it is calculated

myFICO is the official consumer division of FICO, providing consumers with access to their FICO credit scores, credit reports, credit monitoring, and identity theft protection services. The website positions itself as the authoritative source for FICO Scores, which are used by 90% of top lenders, and offers multiple subscription plans tailored to different consumer needs. The site is professionally designed with clear navigation and comprehensive content aimed at educating and empowering consumers about their credit health. Technically, the site employs modern web technologies including jQuery, Google Analytics, Google Tag Manager, and a consent management platform (Osano) to ensure compliance with privacy regulations. Security posture is good with HTTPS enforced and cookie consent mechanisms in place, though explicit security headers are not evident in the provided data. The absence of WHOIS domain registration data is unusual but does not detract significantly from the site's legitimacy given the strong branding and content quality. Overall, myFICO demonstrates a mature digital presence with a strong focus on user experience, privacy compliance, and marketing effectiveness.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

3 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  3. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

Need hands-on remediation? Email guard@offseq.com

Keep watching myfico.com

This scan found 18 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

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Full report

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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
72
Security headers
65
Email security
70
DNS health
85
Network security
100
GDPR outside view
68
Average
77

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

myFICO operates in the finance sector as a subscription-based service offering credit scores and monitoring. It holds a strong market position as the official consumer-facing brand of FICO, the creator of the widely used FICO credit score. The business model relies on recurring revenue from multiple tiered subscription plans ranging from free to premier levels. The target audience includes consumers seeking to understand and improve their credit scores, prepare for credit goals such as mortgages or auto loans, and protect against identity theft. The company leverages partnerships with credit bureaus and integrates multiple third-party marketing and analytics tools to optimize customer acquisition and retention. The website content and structure reflect a focus on trust, transparency, and education, supporting customer engagement and brand loyalty.

Security posture

The website enforces HTTPS and employs a cookie consent mechanism compliant with GDPR, indicating a good baseline security and privacy posture. However, the lack of explicit security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options suggests room for improvement in hardening the site against common web attacks. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of multiple third-party scripts introduces potential risk vectors that require ongoing monitoring. The absence of published security policies, incident response information, or vulnerability disclosure programs limits transparency and may impact trust among security-conscious users. Overall, the security posture is solid but could be enhanced by adopting additional best practices and publishing relevant security documentation.

Recommendations

  1. Implement and publish comprehensive security headers including CSP, HSTS, and X-Frame-Options to strengthen web security.
  2. Establish and publicly disclose a vulnerability disclosure program and incident response policy to improve transparency and user trust.
  3. Provide clear and accessible contact information specifically for security and privacy concerns to facilitate responsible reporting.
  4. Regularly audit and update third-party scripts and libraries to mitigate risks from vulnerabilities.
  5. Enhance WHOIS domain registration transparency if possible to improve domain legitimacy perception.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
myFICO
Description
Get FICO Scores used by 90% of top lenders. Access credit scores, reports, monitoring, and identity theft protection in one place for confident applications
Key services
FICO Scores, Credit reports, Credit monitoring, Identity theft protection
Content quality
excellent
Branding
consistent

Technology

Stack
jQuery 3.5.1, Google Analytics, Google Tag Manager, Optimizely, Osano CMP, Qualaroo
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Google Tag Manager, Facebook Pixel, Bing UET
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google Ads, Bing Ads, Facebook Ads
Tracking pixels
Facebook Pixel, Bing UET
Marketing tools
Optimizely, Qualaroo
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with rich content and professional design
  2. Strong branding consistent with FICO and myFICO
  3. Comprehensive subscription plans clearly presented
  4. Privacy and cookie policies are present and compliant
  5. No direct contact emails or phone numbers found on homepage
  6. Use of multiple third-party analytics and marketing tools
  7. No security headers explicitly detected in provided data
  8. WHOIS data unavailable, which is uncommon for such a site
Technical notes

Notes

The website uses a modern technology stack with jQuery 3.5.1, Google Analytics, Google Tag Manager, Optimizely for A/B testing, Osano for consent management, and Qualaroo for user feedback. The site is mobile optimized with responsive design and good accessibility features. SEO is well addressed with proper meta tags, Open Graph, and JSON-LD structured data. Performance is moderate, with multiple external scripts that may impact load times. No CMS is explicitly detected, suggesting a custom or proprietary platform. Hosting provider details are not evident from the content. The site architecture supports clear navigation and user engagement with multiple subscription plans and educational content. Technical risks include reliance on multiple third-party scripts and missing security headers, which should be addressed to maintain operational security and performance.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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