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Whether or not it is “worth it” will depend on you and your reasons for getting it. All fico ® score products made available on myfico. com include a fico ® score 8, and may include additional fico ® score versions. Your lender or insurer may use a. For estimates of your fico score (fako score) and credit monitoring: Credit cards (no annual fee) that offer a free fico score with their monthly statement: