myFICO
PaidThe only source for official FICO scores from all three bureaus with identity monitoring
📊Credit MonitoringAbout myFICO
myFICO is the consumer-facing product of FICO (Fair Isaac Corporation), the company that created the FICO scoring model used by 90% of top lenders. myFICO provides access to all 28 versions of your FICO scores across all three bureaus, credit report monitoring, identity theft monitoring, and up to $1 million in identity theft insurance. It is the only service that provides official FICO scores directly from the source.
What's Great
- ✓Only source for all 28 FICO score versions — the scores lenders actually use
- ✓Three-bureau credit reports and monitoring included
- ✓Quarterly FICO score updates on base plan, monthly on premium
- ✓Up to $1 million in identity theft insurance
- ✓Essential for anyone preparing for a mortgage, auto loan, or major credit application
Watch Out For
- !Premium pricing — plans range from $19.95 to $39.95/month
- !Identity monitoring features are less comprehensive than dedicated services
- !No dark web monitoring or Social Security number surveillance
- !Score updates are not daily — quarterly on base, monthly on premium
Common Use Cases
Homebuyer who needs to know their exact mortgage FICO scores before applying for a loan
Individual who wants the authentic FICO scores that lenders see, not VantageScore approximations
Credit-focused consumer who prioritizes score accuracy over bundled identity theft features
Pricing Model
Paid
Paid subscription required. Check the website for current pricing and free trials.
Category
Credit Monitoring
Services focused on tracking credit reports, scores, and alerts from all three major bureaus — Equifax, Experian, and TransUnion.
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