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
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
$39.95/month[1]
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
$29.95/month[2]
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
$19.95/month[3]
IMPORTANT INFORMATION:
- 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.
- 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.
- 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.
- 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.
- 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:
- 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.
- 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.
- 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.
- 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.
- Subject to policy limitations and exclusions. See terms and conditions.
Have Questions? We Can Help
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No, when you check your own credit it does not hurt your credit score.
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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.
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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.
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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!
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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.
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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.
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Call our toll-free, US-based customer support at 800-319-4433.