If you're looking to try out myFico before plopping down the money, Bankrate.com has a FICO Score Estimator. They have partnered up with myFico and they ask you some questions about your credit and gives you an estimated score. It's not definite but nice to try.
I used it as an estimator of what my Fico score could be as I haven't checked it in over a year I think. I haven't applied for cc or loans so I didn't really see the need but I might just for info.