Identity Basic

Track your FICO Score. Monitor your credit. Empower yourself.

FICO® Score Watch is your credit profile companion.
Monitor your Equifax credit report and FICO® Score, receive customized alerts and use our innovative tools to prepare for your next big purchase.

A 3-month minimum is required.
Your subscription then auto-renews
monthly at $14.95 unless you cancel
Save $29
over monthly

Track one FICO® Score

We'll track a single-bureau FICO Score, based on your Equifax credit reports, so you’ll always know when it changes. Plus, get a personalized summary of the factors affecting your score.

customized alerts

When we become aware of a change to your Equifax credit report, we'll alert you within 24 hours via email, text or iOS app. Plus, you can customize your score alerts so that you get notified when you reach a specific score.

You'll get an alert and current FICO Score when we detect:

  • FICO® Score changes
  • New accounts
  • Account changes
  • Inquiries, collections and public records
  • Name, address and phone changes

FICO Score analysis

Learn what factors are affecting your
FICO® Score with a detailed analysis. Get up to five factors and see how your analysis compares to the common factors of high scorers.

Use our tools to
prepare for your next big purchase

Get access to the FICO® Score Simulator and see how your financial decisions may affect your score.

Simulate scenarios like:

  • Paying down your credit card balance
  • Making regular credit card payments
  • Paying all your bills on time

Plus, join the myFICO community to connect, find support, and get advice from other people who are monitoring their credit and preparing for loans — just like you.

Understanding why FICO® Score Watch is awesome

You’ve got big plans for your future—like purchasing a new car, moving across country or starting your own business. But your big dreams require access to affordable credit.

You’ll need a home loan, auto loan or credit for a new computer. How do you get approved for credit? Your lender will likely look at your credit reports and FICO Scores.

By monitoring your Equifax credit report and FICO Score, you can prepare for your next loan. FICO Score Watch allows you to do that and more so you can feel confident about your credit health.

Every year you're eligible for 2 new Equifax reports and scores at no additional charge. Plus, get new Equifax credit reports anytime you want for 30% off!

A 3-month minimum is required.
Your subscription then auto-renews
monthly at $14.95 unless you cancel
Save $29
over monthly

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has 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 the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
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