FICO Advanced

Everything you need to achieve your credit goals:
3-bureau reports (updated quarterly) + 24x7 credit and identity monitoringFootnote 2

  • 3-bureau credit report from Experian, Equifax and TransUnion
  • 28 FICO Scores, including mortgage, auto and credit versions
  • Proactive credit report monitoring and alertsFootnote 3
  • $1M identity theft insuranceFootnote 3


90% of Lenders Use FICO Scores

Other scores can be off by up to 100 points – get a credit score you can trust.

What you'll get with FICO Advanced


Credit report from all three bureaus

Instantly access your credit report from Experian, Equifax, and TransUnion. Check for errors and get a complete look at your credit standing in a glance. Plus, get quarterly updates to your credit reports and FICO Scores.


Alerts when your credit report changes

We'll monitor your credit reports 24/7 and alert you to any detected changes via email, text or mobile app. You'll also get an updated FICO Score 8 with each alert.Footnote 2


See what's affecting your score

Take the mystery out of why your credit score is what it is. See the top factors that are determining your FICO Score along with a detailed analysis, so you know what to work on. Plus, learn how your score compares to those of top-scorers.


Prepare for score changes

How will opening a new credit card impact a FICO Score? How about paying down a loan? The FICO Score Simulator helps you explore the potential impact of your decisions on your credit before you make them.


The credit score versions that lenders actually use

Lenders use different versions of the FICO Score for different purposes. So, why should you only have one? We give you 28 FICO Score versions–including the versions most widely used for mortgage, auto and credit card lending. So, no matter your credit goals, you'll have access to the right score.


$1M ID theft insurance

Uncover identity threats quickly with our black-market monitoring and identity theft detection. And, recover from any incidents quickly with our US-based ID theft resolution services and id theft insurance coverage for up to $1 million.Footnote 3

We’ve got you covered

Will not hurt your score

Checking your credit with FICO will not affect your FICO Scores.

US-based support

We are here with toll-free support if you need us.

Bank-level security

We use 128-bit encryption to protect the transmission of your data to FICO.


Get the most trusted scores—plus quarterly reports, credit alerts and identity monitoring