FICO Ultimate 3B

Get quarterly access to 19 FICO® Scores and
a new 3-bureau credit report

  • Access a new 3-bureau credit report every quarter, plus the 19 FICO® Score versions most widely used in mortgage, auto and credit card lending
  • Track your FICO® Score 8 from each of the three credit bureaus on a historical tracking graph†
  • Monitor your credit reports from all 3 bureaus for changes, and get FICO Score 8 updates†
  • Detect threats to your personal information with intelligent identity theft monitoring
  • Restore your identity with expert identity theft features
$29.95/month $329/year (Save $30 over monthly)
IMPORTANT INFORMATION:

*Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however partial month refunds are not available. All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more.

†Not all credit report data is monitored. Monitored credit report data, monitored credit report data change alerts, FICO® Score updates, FICO® Score alerts, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more.
What you'll get with FICO® Ultimate 3B

Quarterly access to a new 3-bureau credit report and 19 FICO® Scores

Get a more complete look at your credit than ever before. Every three months you’ll get access to your new 3-bureau credit report and the 19 FICO® Scores most commonly used in mortgage, auto and credit card lending.

View your FICO® Score 8—the FICO Score most widely used by lenders—for each credit bureau. Plus, view 16 additional FICO Score versions: 6 FICO Score versions used in auto lending, 7 FICO Score versions used in credit card lending and 3 FICO Score versions often used in mortgage lending. That's insight into your credit profile you can't get anywhere else.

Updated FICO® Score 8

Receive updated FICO® Score 8 based on data from all three bureaus. We’ll monitor your credit reports and update you with a current FICO® Score 8 when we receive alerts for monitored credit report data changes. Updated FICO® Score 8 alerts, and alert triggers, timing and frequencies vary by credit bureau. Learn more.

Credit report change alerts

We'll alert you to any identified changes to your Experian, Equifax or TransUnion credit reports via email, text or iOS app. You'll be notified within 24 hours whenever we detect a change in monitored data.

Monitored credit report data, monitored credit report data change alerts, and alert triggers, timing, and frequencies vary by credit bureau. Learn more.

FICO® Score 8 analysis

See the top factors that affected your FICO Score 8 from each bureau with a detailed analysis. Plus, learn how your score factors compare with the common factors of FICO High Achievers — people with a 780+ FICO® Score 8.

FICO® Score Simulator

Use our FICO Score Simulator to see how financial decisions may affect a FICO® Score 8 for each bureau.

Simulate scenarios like:

  • Paying down credit card balances
  • Forgetting to pay a bill
  • Making regular credit card payments

Intelligent identity theft monitoring

Detect threats to your personal information fast and guard against further exposure with our sophisticated monitoring services.

Black market website surveillance: We'll scan thousands of underground networks worldwide looking for the exposure and illegal selling of your personally identifiable information.

SSN alias watch: We'll monitor names and addresses associated with your identity so you can quickly identify threats.

Lost wallet protection

If your wallet is lost or stolen, a certified restoration specialist will help you quickly cancel and replace missing items so you can focus on more important things in life.‡

24/7 identity restoration

If an identity thief misuses your personal information, we’re available 24/7 to help. One of our certified resolution specialists will assist you every step of the way.

$1M ID theft insurance

If you do become a victim, we’ll reimburse covered expenses related to restoration including legal fees, lost wages and more — up to $1 million.§

‡ Lost wallet protection provides coverage of: credit cards, debit cards, checkbooks, driver's licenses, Social Security cards, insurance cards, passports, military identification cards, traveler's checks and Medicare or Medicaid identification. Other limitations, restrictions and exclusions may apply. See summary of policy limitations and exclusions.

§ Not available to citizens of New York. Subject to policy limitations and exclusions. See summary of policy limitations and exclusions.

FICO® Ultimate 3B   |   A vital part of your financial health

Your credit profile includes three credit reports—one from each of the major bureaus. Lenders, such as your credit card company or car loan provider, report your credit activity to the bureaus periodically.

Lenders aren’t required to report to all three bureaus, which means your credit reports and the FICO® Scores based on them could be different. When you apply for a loan, lenders could look at scores from any or all of them.

With FICO Ultimate 3B, you can stay on top of identified changes to all three reports and get your updated FICO® Score 8 from each bureau. Get a more complete look at your credit and approach your next loan with confidence.

$29.95/month* $329/year (Save $30 over monthly)

*Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.


myFICO is the consumer division of FICO. Since its introduction over 25 years ago, FICO® Scores have become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use FICO Scores to make consumer credit decisions.

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