Know Your FICO® Scores and Stop Overpaying for Credit!

Access the credit scores 90% of the top lenders use for mortgage, auto and credit card lending

Choose Your Product

3-Bureau Monitoring Plus Credit Reports

  • 3-Bureau FICO® Scores and credit reports updates available monthly or quarterly
  • 3-Bureau credit monitoring and FICO® Score alerts[4]
  • Identity theft monitoring, alerts and dark web surveillance
  • Fraud resolution and up to $1 million ID theft insurance[5]
FICO® ULTIMATE 3B+

3-Bureau Monitoring Plus Monthly Credit Reports

updates available every month
$39.95/month[1]

FICO® Scores

  3-Bureau

Score Monitoring (FICO® Score 8)

 3-Bureau, ongoing

Credit Monitoring with Alerts

 3-Bureau, ongoing

Credit Report

 3-Bureau, monthly updates

Scores for Mortgages, Autos, Credit Cards

 3-Bureau, monthly updates

Score Simulator (FICO® Score 8)

 3-Bureau, monthly updates

What's Helping and Hurting Your Scores

 3-Bureau, monthly updates

Identity Theft Monitoring

 Ongoing

Dark Web Monitoring

 Ongoing

SSN Monitoring

 Ongoing

$1 Million Identity Theft Insurance[5]

 Ongoing

24x7 Fraud Resolution

 Ongoing
FICO® ULTIMATE 3B

3-Bureau Monitoring Plus Quarterly Credit Reports

updates available every 3 months
$29.95/month[2]

FICO® Scores

 3-Bureau

Score Monitoring (FICO® Score 8)

 3-Bureau, ongoing

Credit Monitoring with Alerts

 3-Bureau, ongoing

Credit Report

 3-Bureau, quarterly updates

Scores for Mortgages, Autos, Credit Cards

 3-Bureau, quarterly updates

Score Simulator (FICO® Score 8)

 3-Bureau, quarterly updates

What's Helping and Hurting Your Scores

 3-Bureau, quarterly updates

Identity Theft Monitoring

 Ongoing

Dark Web Monitoring

 Ongoing

SSN Monitoring

 Ongoing

$1 Million Identity Theft Insurance[5]

 Ongoing

24x7 Fraud Resolution

 Ongoing
 

1-Bureau Monitoring Plus Credit Reports

  • FICO® Scores and Experian credit report updates available monthly
  • 1-Bureau credit monitoring and FICO® Score alerts[4]
  • 24x7 identity theft restoration
FICO® BASICS 1B

1-Bureau Monitoring Plus a Monthly Credit Report

updates available every month
$19.95/month[3]

FICO® Scores

 1-Bureau

Score Monitoring (FICO® Score 8)

 1-Bureau, ongoing

Credit Monitoring with Alerts

 1-Bureau, ongoing

Credit Report

 1-Bureau, monthly updates

Scores for Mortgages, Autos, Credit Cards

 1-Bureau, monthly updates

Score Simulator (FICO® Score 8)

 1-Bureau, monthly updates

What's Helping and Hurting Your Scores

 1-Bureau, monthly updates

Identity Theft Monitoring

 No identity theft monitoring

Dark Web Monitoring

 No dark web monitoring

SSN Monitoring

 No SSN monitoring

$1 Million Identity Theft Insurance[5]

 Ongoing

24x7 Fraud Resolution

 Ongoing
IMPORTANT INFORMATION:
  1. Your subscription will automatically renew monthly at $39.95 unless you cancel. You may cancel at any time; however refunds are not available. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include 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 about other FICO Score versions.
  2. Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however refunds are not available. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include 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 about other FICO Score versions.
  3. Your subscription will automatically renew monthly at $19.95 unless you cancel. You may cancel at any time; however refunds are not available. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include 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 about other FICO Score versions.
  4. 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 about what credit data is monitored.
  5. Subject to policy limitations and exclusions. See terms and conditions.

FICO® BASICS 1B

FICO® ULTIMATE 3B

FICO® ULTIMATE 3B+

FICO® Scores

 1-Bureau
 3-Bureau
  3-Bureau

Score Monitoring (FICO® Score 8)

 1-Bureau, ongoing
 3-Bureau, ongoing
 3-Bureau, ongoing

Credit Monitoring with Alerts

 1-Bureau, ongoing
 3-Bureau, ongoing
 3-Bureau, ongoing

Credit Report

 1-Bureau, monthly updates
 3-Bureau, quarterly updates
 3-Bureau, monthly updates

Scores for Mortgages, Autos, Credit Cards

 1-Bureau, monthly updates
 3-Bureau, quarterly updates
 3-Bureau, monthly updates

Score Simulator (FICO® Score 8)

 1-Bureau, monthly updates
 3-Bureau, quarterly updates
 3-Bureau, monthly updates

What's Helping and Hurting Your Scores

 1-Bureau, monthly updates
 3-Bureau, quarterly updates
 3-Bureau, monthly updates

Identity Theft Monitoring

 No identity theft monitoring
 Ongoing
 Ongoing

Dark Web Monitoring

 No dark web monitoring
 Ongoing
 Ongoing

SSN Monitoring

 No SSN monitoring
 Ongoing
 Ongoing

$1 Million Identity Theft Insurance[5]

 Ongoing
 Ongoing
 Ongoing

24x7 Fraud Resolution

 Ongoing
 Ongoing
 Ongoing
IMPORTANT INFORMATION:
  1. Your subscription will automatically renew monthly at $39.95 unless you cancel. You may cancel at any time; however refunds are not available. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include 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 about other FICO Score versions.
  2. Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however refunds are not available. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include 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 about other FICO Score versions.
  3. Your subscription will automatically renew monthly at $19.95 unless you cancel. You may cancel at any time; however refunds are not available. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include 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 about other FICO Score versions.
  4. 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 about what credit data is monitored.
  5. Subject to policy limitations and exclusions. See terms and conditions.

Have Questions? We Can Help

  • No, when you check your own credit it does not hurt your credit score.

  • myFICO is the consumer division of FICO, launched in 2001 to help consumers get their FICO® Score directly from the people that make the FICO Score. Our headquarters are in San Jose, CA.

  • The FICO® Score is the most widely used credit score, used by more than 90% of top lenders. Some credit apps use other credit scores, but they are calculated differently than FICO Scores and many lenders won't use them.

  • Lenders may use different score versions for different decisions — a mortgage lender will pull the FICO® Score version most commonly used in mortgage lending while an auto lender will likely want your FICO Auto Score. Additionally, each lender may pull your FICO Score and credit report from one, two or all three credit bureaus.

    Your FICO Scores will likely vary across versions and amongst the three credit bureaus. With your plan, you'll get access to 28 of the most commonly used scores based on information from all three bureaus. Whether you're looking for your FICO Scores used in mortgage, auto, or credit card lending, we've got you covered!

  • More FAQs and support
  • Purchase protection on your credit card protects you on accounts you already have open but it does not protect you against new, fraudulent accounts. Your bank can only protect the accounts that you have opened — credit monitoring helps you detect accounts that you haven't opened. Credit monitoring also lets you track how your credit actions affect your score, and can help you to prepare for a loan.

  • You can cancel at any time using our app. Or, if you prefer to call, you can speak to our US-based customer support to cancel.

  • Call our toll-free, US-based customer support at 888-454-2332.