MyFICO Reviews

Key Features and Benefits of myFICO.com:

1. FICO Scores:

   • Comprehensive Coverage: Provides FICO Scores from all three major credit bureaus (Experian, TransUnion, and Equifax) to help you understand your creditworthiness.
   • Industry Standard: 90% of top lenders use FICO Scores, making them the most widely used credit scores.

2. Credit Reports:

   • Detailed Reports: Offers full credit reports with details about accounts, inquiries, collections, and public records.
   • Side-by-Side Comparison: Allows you to compare your information from all three bureaus to spot errors and understand score differences.

3. Credit Monitoring:

   • Regular Updates: Provides monthly or quarterly updates to keep your credit report accurate and monitor changes such as inquiries, new accounts, address changes, and late payments.
   • Alerts: Notifies you of important changes to your credit files.

4. Identity Monitoring:

   • Advanced Monitoring: Scans thousands of websites, chat rooms, and other Internet databases for potential threats to your identity.
   • Alerts: Alerts you if your personal information is discovered or if there are signs of identity theft.

5. Identity Restoration:

   • Insurance Coverage: Offers up to $1 million in identity theft insurance, including coverage for data breaches, stolen identities, and fraud.
   • 24/7 Support: Provides US-based identity theft experts available 24/7 to help restore your identity or recover from a lost wallet.

6. FICO Score Simulator:

   • Financial Decision Impact: Allows you to estimate the effects of 24 different financial decisions on your credit score, helping you determine the impact on your qualification and interest rates.

7. Tools and Analysis:

   • Credit Event Simulation: Helps you simulate credit events and gain insights into your credit, including comparing side-by-side simulations for all three bureaus.
   • Interest Rate Information: Provides up-to-date interest rates for mortgage and auto loans based on your FICO Score.

8. Education and Community:

   • Credit Education Center: Offers resources to learn about credit, FICO Scores, and credit reports, as well as tips on improving your credit.
   • User Forums: An active community with 750,000 members where you can ask credit questions and get advice.

9. Customer Support:

   • Toll-Free Support: Provides US-based toll-free customer support for any questions or concerns.

10. Subscription Plans:

    • Basic Plan: $19.95 per month, includes Experian credit reporting, monthly updates, FICO Scores, and credit monitoring.
    • Advanced Plan: $29.95 per month, includes complete 3-bureau coverage, quarterly updates, and identity monitoring.
    • Premier Plan: $39.95 per month, includes all features of the Advanced Plan with additional monthly updates.

These features and benefits make myFICO.com a comprehensive tool for managing your credit and protecting your identity.

myFICO.com offers the following pricing plans:

• Basic Plan: $19.95 per month, includes 1-bureau (Experian) coverage, monthly updates, FICO Scores, scores for mortgages, auto loans, and more, credit reports, score and credit monitoring, $1 million identity theft insurance, and 24/7 identity restoration.

• Advanced Plan: $29.95 per month, includes complete 3-bureau coverage, quarterly updates, FICO Scores, scores for mortgages, auto loans, and more, credit reports, score and credit monitoring, $1 million identity theft insurance, 24/7 identity restoration, and identity monitoring.

• Premier Plan: $39.95 per month, includes complete 3-bureau coverage, monthly updates, FICO Scores, scores for mortgages, auto loans, and more, credit reports, score and credit monitoring, $1 million identity theft insurance, 24/7 identity restoration, and identity monitoring.