MyFICO Reviews
(Rated by 1993 users)
Are you looking for ways to save money when shopping at MyFICO. Our MyFICO coupon codes can help you do just that! Over 1993 customers have already used our coupons to save an average of $56 with MyFICO discount codes. There are currently 12 coupons available, so now is the perfect time to join in on the savings.
Are you looking for ways to save money when shopping at MyFICO. Our MyFICO coupon codes can help you do just that! Over 1993 customers have already used our coupons to save an average of $56 with MyFICO discount codes. There are currently 12 coupons available, so now is the perfect time to join in on the savings.
Payment Methods
- Verified Store VERIFIED
- Free shipping: Orders $50+
- In-store pickup: Ready in 2 hours
- 30-Day Returns
- Gap Good Rewards (4 brands)
Payment Methods
- Tops: $23 - $70
- Bottoms: $27 - $70
- Outerwear: $34 - $70
- Kids: $29 - $75
Today's Best Deals
Overall Rating
4.5
Base on 8 Reviews
Ratings by Feature
Ratings by Feature
- Customer Service5.0
- Price & Quality4.5
- Shipping & Delivery4.5
- Return Policy5.0
- Good Value4.0
Recent Customer Reviews (8)
Camillo Padovesi
View replies
Laura Cunha
View replies
Finlay Jones
View replies
Numa Sarabia
View replies
Ava Parkes
View replies
Demi Pearson
View replies
Ensar Zeldenrust
View replies
Millie Faulkner
View replies
MyFICO Pricing
Basic Plan
$19.95 per month
Advanced Plan
$29.95 per month
Premier Plan
$39.95 per month
MyFICO Pros & Cons
Pros
1
Comprehensive Credit Profile: Provides access to all 28 FICO scores, including those used for mortgages, auto loans, and credit cards.
2
Credit Monitoring: Offers real-time updates and alerts for changes in your credit report, including new accounts, inquiries, and credit limit changes.
3
Identity Theft Protection: Includes $1 million identity theft insurance and 24/7 identity restoration services.
4
Customizability: Allows users to see how specific activities will impact their FICO scores, helping in planning for credit applications.
5
Detailed Reports: Provides detailed credit reports and historical tracking graphs to help users understand their credit score better.
6
Alerts and Notifications: Sends notifications for various activities on your credit report, ensuring you stay informed.
CONS
1
Cost: The service is not cheap, with the most basic plan starting at $19.95 per month and the premier plan at $39.95 per month.
2
Limited Free Version: The free version only provides coverage from one credit bureau and a single FICO score, which may not be sufficient for comprehensive monitoring.
3
Update Frequency: The advanced plan updates every three months, which may not be as frequent as monthly updates.
4
High Price for Full Coverage: The three-bureau coverage is only available in the paid subscriptions, which can add up quickly.
MyFICO Features and Benefits
Features
Comprehensive Credit Profile
Provides access to all 28 FICO scores, including those used for mortgages, auto loans, and credit cards.
Credit Monitoring
Offers real-time updates and alerts for changes in your credit report, including new accounts, inquiries, and credit limit changes.
Identity Theft Protection
Includes $1 million identity theft insurance and 24/7 identity restoration services.
Customizability
Allows users to see how specific activities will impact their FICO scores, helping in planning for credit applications.
Detailed Reports
Provides detailed credit reports and historical tracking graphs to help users understand their credit score better.
Alerts and Notifications
Sends notifications for various activities on your credit report, ensuring you stay informed.
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.
Side-by-Side Comparison
Allows you to compare your information from all three bureaus to spot errors and understand score differences.
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.
Advanced Monitoring
Scans thousands of websites, chat rooms, and other Internet databases for potential threats to your identity.
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.
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.
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.
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.
Toll-Free Support
Provides US-based toll-free customer support for any questions or concerns.
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.