FICO Essentials 1B

Get monthly access to your Equifax credit report and FICO® Scores

  • Instantly access your Equifax credit report and FICO® Scores—including FICO® Scores widely used in mortgage, auto and credit card lending, and the newly released FICO® Score 9
  • Access your updated Equifax report and FICO® Scores every month
  • Track your FICO® Score 8 from Equifax on a historical tracking graph
  • Monitor your Equifax credit report for changes, and get FICO® Score 8 updates with each new alert
  • Restore your identity with expert identity theft features
$19.95/month* $219/year**(Save $20 over monthly)
IMPORTANT INFORMATION:

*Your subscription will automatically renew monthly at $19.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.

** Your subscription will automatically renew annually at $219 unless you cancel. You may cancel at any time; however partial year 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 or transactions are monitored. Monitored credit report data, monitored credit report data change alerts, FICO® Score updates, FICO® Score alerts, monitored transactions, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more.
What you'll get with FICO® Essentials 1B
FICO® Score versions commonly used in mortgage, auto and credit card lending - FICO® Essentials 1B

Monthly access to a new Equifax credit report & 9 FICO® Scores

Take a fresh look at your credit every month. You’ll get monthly access to your new Equifax credit report and 9 FICO® Score versions commonly used in mortgage, auto and credit card lending.

View your FICO® Score 8 (the FICO Score most widely used by lenders) and your FICO® Score 9 (the newest FICO Score version) based on Equifax data. Plus, view 7 additional FICO Score versions: 3 auto-specific versions, 3 credit-card-specific versions, and a FICO Score version often used in mortgage lending.

Updated FICO® Score 8

Receive updated FICO® Score 8 based on Equifax data. We’ll monitor your Equifax credit report 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.

FICO® Score 8 tracking graph – FICO® Essentials 1B
Equifax credit report change alert with FICO® Score 8 update – FICO® Essentials 1B

Credit report change alerts

We'll alert you to any identified changes to your Equifax credit report via email, text or mobile 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 based on Equifax data with a detailed analysis. Plus, learn how your score factors compare with the common factors of FICO High Achievers—people with a 785+ FICO® Score 8.

FICO® Score 8 Ingredients – FICO® Essentials 1B FICO® Score 8 Factors – FICO® Essentials 1B
FICO® Score Simulator – FICO® Ultimate 3B

FICO® Score Simulator

Use our FICO Score Simulator to see how different financial decisions—like getting a new credit card or paying down debt—may affect a FICO® Score 8.

  • Explore up to 24 different simulations, including taking out a mortgage, getting a credit limit increase and more
  • Simulate more than one action at a time to see how multiple actions may affect a FICO® Score 8

myFICO mobile app

Top Rated. Customer approved.

Average customer rating as of 6/1/16:4.3 star rating

Wherever you are or wherever you're going, feel secure knowing that your FICO® Scores (and much more) are just a click away.

At the bank speaking with a loan officer? Tap the app to review your Bankcard Score together. Talking interest rates with your mortgage broker? Access the app to help you negotiate a good rate.

  • Get Phone alerts when credit changes to your Equifax credit report are detected
  • Have "anywhere access" to your Equifax credit report and scores
  • Stay protected with access to identity theft resources and lost wallet protection
Screenshot of FICO® Essentials 1B
Apple Logo Android Logo
Available for iPhone and Android phones, the myFICO mobile app requires a myFICO credit and identity monitoring subscription as well as access to a wireless network.

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 terms and conditions.

§ Subject to policy limitations and exclusions. See terms and conditions.

FICO® Essentials 1B   |   The easy way to monitor your credit

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 receiving your updated FICO® Score 8, you can get a better understanding of your credit picture and approach your next loan with confidence.

$19.95/month* $219/year**(Save $20 over monthly)

*Your subscription will automatically renew monthly at $19.95 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.

>> About myFICO
FICO Score - The Score that matters®
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
CONNECT WITH US Social Media Facebook Twitter Google+ Google+ Apple App Download Android App Download