Monitor your 3-bureau credit reports +
3 FICO® Scores — one from each bureau
— all in one simple account

FICO Scores are used in more than 90% of top U.S. lending decisions

Your financial identity includes three credit reports, not just one.
FICO® 3-Bureau Credit Monitoring monitors your credit reports from
Experian, TransUnion and Equifax while helping you understand and track
your full credit picture. Plus, you can even track changes to your FICO
Scores from each of the three bureaus. FICO 3-Bureau Credit Monitoring
features FICO Score 8, the FICO Score most widely used by lenders.

A 3-month minimum is required. You may cancel any time after the first 3 months.
Your subscription auto-renews monthly at $19.95 unless you cancel.

Track your FICO Scores from all three credit bureaus

We’ll monitor three FICO® Scores, one each for Experian, TransUnion and Equifax, so you can easily track changes. Plus, get a personalized summary of the factors affecting your scores.

A 3-month minimum is required. You may cancel any time after the first 3 months.
Your subscription auto-renews monthly at $19.95 unless you cancel.

Monitor your credit
reports from each of the
three major bureaus

FICO® 3-Bureau Credit Monitoring scans your full credit picture — not just part of it — by tracking activity on all three of your credit reports and three FICO® Scores from Experian, TransUnion and Equifax. Plus, you get a new 3-bureau credit report every year that refreshes and compares each bureau’s credit data side by side. Start preparing for your next loan by seeing where you stand.

Get notified of changes via email or text

When we become aware of a change to any of your Experian, Equifax or TransUnion credit reports, we’ll alert you within 24 hours with an updated FICO Score and the report change details.

For all 3 bureaus, you’ll get an alert and an updated FICO Score when we detect:

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

Plus, you can customize your score alerts for Equifax credit data so that you get notified when you read a specific score.

Alerts for account balance changes have varying triggers for each bureau. » Learn more.

Use the FICO® Score
Simulator for each
bureau’s data

Get access to the FICO® Score Simulator for Equifax, Experian and TransUnion and see how your financial decisions may affect your scores.

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® 3-Bureau Credit Monitoring is awesome

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.

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

With FICO® 3-Bureau Credit Monitoring, you can stay on top of changes to all three reports and FICO Scores, get a better understanding of your full credit picture and approach your next loan with confidence.

A 3-month minimum is required. You may cancel any time after the first 3 months.
Your subscription auto-renews monthly at $19.95 unless you cancel.


myFICO is the consumer division of FICO. Since its introduction 20 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.

>> 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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