myFICO Review

Take charge of your credit scores with myFICO and get comprehensive reports from all three major credit bureaus. Most lending agencies use your FICO® Score when making decisions about loan applications. Don't wait until it's too late to find out unauthorized activity or dings on your credit that you didn't know about. When you sign up with myFICO, you get alerts when there are changes to your credit, plus they help protect you from identity theft and fraud.

For the most secure credit and identity monitoring, we recommend the myFICO Premier plan. You get instant access to FICO Scores from Experian, TransUnion and Equifax that are commonly used for home loans, auto loans, and credit card approvals. Credit data is updated monthly so you can keep track of where you stand. myFICO will also alert you when there are changes to your credit that can affect your score.

On top of all that, the Premier plan also provides identity monitoring and insurance. They create an identity analysis report as a baseline, then continually monitor the Web and your Social Security number to make sure your personal information isn't being used to create fake identities or open unauthorized credit cards.

If someone does get a hold of your identity, myFICO will send an email or push notification to let you know what has happened, then work with you to help you resolve the issue and restore your identity. Even if you accidentally lose your wallet, they have certified restoration specialists available 24 hours a day to help you get everything sorted out. All of this protection and support with updates available each month costs $39.95/month. 

Customers looking for everything the Premier Plan offers but would prefer only receiving updates every three months, can opt for the myFICO Advanced plan for $29.95/month. This provides access to monthly FICO® Scores and credit reports from Experian. You still get identity theft restoration and lost wallet protection, but it's up to you to primarily monitor your personal data and notify them if you see something suspicious.

If you would prefer 1-bureau coverage (Equifax), FICO scores, credit reports, score and credit monitoring, and updates on a monthly basis myFICO offers a Free plan with no credit card required.

myFICO is your all-in-one solution for building your credit score, staying on top of changes to your credit, and monitoring your FICO scores. myFICO makes it easy to understand your credit with FICO Scores, credit reports and alerts from all 3 bureaus by offering comprehensive credit reports and identity monitoring that can give you valuable data and save you from the headache of finding out your identity has been stolen. myFICO offers no-obligation plans so you can cancel at any time without penalty and  also offer several educational articles about credit card best practices and tips for improving your credit score.