MyFICO Reviews

MyFICO.com offers several subscription plans with varying features and costs. The Free Plan provides 1-bureau coverage with updates available every month at no cost. The Advanced Plan offers complete 3-bureau coverage with updates every 3 months for $29.95/month. The most comprehensive, Premier Plan, includes complete 3-bureau coverage with monthly updates for $39.95/month. Subscriptions automatically renew, and while cancellation is possible at any time, refunds are not provided. All plans include a FICO® Score 8, and may include additional FICO® Score versions. Additional features such as identity theft insurance and 24/7 identity restoration are also part of the paid plans.

MyFICO.com is recognized for its credit monitoring services and identity theft protection. The popular products include FICO® Scores, which are widely used by lenders, and credit reports from the three major credit bureaus: Experian, TransUnion, and Equifax. The services offer various subscription plans, providing regular updates on FICO Scores and credit reports, alongside features like $1 million identity theft insurance and 24/7 identity restoration assistance. These products are tailored to assist individuals in understanding and improving their credit status, as well as protecting their financial identity.

Regarding MyFICO.com, the service primarily deals with digital products such as credit reports and scores, which do not require physical shipping. As for the return policy, since the products are digital, they typically cannot be returned once accessed. However, customers can cancel their subscriptions at any time. It is important to note that refunds are not provided upon cancellation, as the subscription services are billed in advance and are non-refundable. This policy ensures that users have continuous access to their credit information for the duration of their subscription.

No, married couples don't have a joint FICO Score. Each individual has their own score, based on their own credit history.

In general, FICO Scores do not change significantly over time. However, your score can change each time it is calculated based on the information in your credit report at that time. It's important to monitor your credit report regularly to ensure that the information is accurate and up-to-date.

To minimize the negative effect of bankruptcy on your credit score, you can check your credit report to ensure that accounts not included in the bankruptcy are not being reported as such. Also, make sure to have the bankruptcy removed from your credit report as soon as it's eligible to be removed.

To correct errors on your credit report, you need to contact the credit bureau that is reporting the erroneous information.