myFICO provides various options for those seeking to obtain their credit reports and credit scores, monitor their credit score, or monitor their credit reports for possible identity theft and credit fraud.
There are two programs available for those who are simply seeking to receive their credit scores and credit reports. The basic option is the FICO Standard plan, which provides an individual FICO score and credit report from Equifax or TransUnion. The second option and more comprehensive solution is Suze Orman’s FICO Kit, which provides Equifax and TransUnion FICO scores and credit reports as well as information on debt relief, buying a car, and more information to help you manage your credit and finances. Both plans offer explanations of the positive and negative factors affecting your score, plus they provide access to the FICO Score Simulator, which shows you how certain actions like opening a new account could possibly affect your credit score.
If you are interested in tracking your credit score and receiving alerts when your credit score changes or reaches a certain goal, you may want to consider the Score Watch program. Score Watch continuously monitors your Equifax credit report and FICO score and notifies you when changes occur that may affect your credit score.
For those that are more interested in monitoring their credit files for suspicious activity, the FICO Quarterly Monitoring program provides protection from identity theft and credit fraud by monitoring your credit report and score and notifying you of any activity, suspicious or otherwise, so you’ll know exactly when someone accesses your credit files or your information changes. It also monitors more than 400 other data sources for signs of identity theft, and it includes a $25,000 identity theft insurance policy.
Both of the credit monitoring programs also include credit reports and credit scores, so you may want to carefully consider the pricing options if you are thinking about the Suze Orman’s FICO Kit, since it is priced the same as one year of the FICO Quarterly Monitoring program.
Most attractive features: Various options to suit your credit needs; 30-day free trial period for Score Watch program.
Least attractive features: Slightly expensive for credit reports and scores.
Additional Services
Access to the FICO Score Simulator, which shows you how various scenarios could possibly affect your credit score, such as canceling an account or paying off a loan.
Bureaus Reported: Equifax and TransUnion.
Report Frequency: The FICO Standard option offers one-time access to a single-bureau credit report and score from the bureau of your choice including Equifax or TransUnion.
The Suze Orman's FICO Kit offers one-time access to your Equifax and TransUnion credit reports and FICO scores.
The Score Watch and FICO Quarterly Monitoring programs offer access to multiple credit reports and scores throughout the year.
Delivery Method: The reports and scores are provided online, and printable versions are available as well.
Report Details: The FICO Standard plan includes a single-bureau report and score from Equifax or TransUnion, including an explanation of the factors affecting your credit score and access to the FICO Score Simulator, which suggests how certain actions could possibly affect your credit score.
The Suze Orman's FICO Kit includes reports and scores from Equifax and TransUnion, a score explanation, and access to the FICO Score Simulator. In addition, it provides various information on issues such as debt relief and buying a car.
You can also receive access to single-bureau credit reports and your FICO score through the Score Watch and FICO Quarterly Monitoring programs.
Bureaus Scored: Equifax and TransUnion.
Score Frequency: The FICO Standard option offers one-time access to a single-bureau credit report and score from the bureau of your choice including Equifax or TransUnion.
Suze Orman's FICO Kit offers one-time access to credit reports and FICO scores from Equifax and TransUnion.
The Score Watch and FICO Quarterly Monitoring programs offer access to multiple credit reports and scores throughout the year.
Delivery Method: The reports and scores are provided online, and printable versions are available as well.
Score Details: The FICO Standard plan includes a single-bureau report and score from Equifax or TransUnion, including an explanation of the factors affecting your credit score and access to the FICO Score Simulator, which suggests how certain actions could possibly affect your credit score.
The Suze Orman's FICO Kit includes reports and scores from Equifax and TransUnion, a score explanation, and access to the FICO Score Simulator. In addition, it provides various information on issues such as debt relief and buying a car.
You can also receive access to single-bureau credit reports and your FICO score through the Score Watch and FICO Quarterly Monitoring programs.
Bureaus Monitored: The FICO Quarterly Monitoring program monitors your TransUnion credit report and FICO score, as well as 400 other data sources.
The Score Watch program monitors your credit file at Equifax and your FICO credit score.
Monitoring Frequency: The FICO Quarterly Monitoring program provides quarterly TransUnion credit report and FICO score monitoring and weekly monitoring of 400 other data sources.
The Score Watch program monitors your Equifax credit file on a daily basis and your FICO score on a weekly basis.
Monitored Occurrences: The FICO Quarterly Monitoring plan monitors changes to your personal information, FICO score, and TransUnion credit report. Data sources of personal information are monitored for new names, social security numbers, addresses, and other personal identity indicators. The FICO score is monitored for changes and the reason for the changes. Finally, your credit score is monitored for various account and credit changes, and you will be alerted whenever suspicious activity is detected.
The Score Watch plan monitors for changes to your FICO score and credit file at Equifax. The FICO score is monitored for changes, and an alert is sent when it has changed enough to possibly qualify you for better loan rates or when you reach your target score. The Equifax credit file is monitored for various account and credit changes, and you will be alerted when there are unexpected changes that could cause your credit score to drop.
Alert Delivery Method: The FICO Quarterly Monitoring plan delivers alerts by email.
The Score Watch program delivers alerts by email with the option to receive text messages to a cell phone or wireless device.
Insurance/Protection Provided: The FICO Quarterly Monitoring plan provides up to $25,000 in identity theft insurance, which provides reimbursement for expenses and time spent recovering from identity theft.
Monitoring Details: The FICO Quarterly Monitoring plan is intended to provide protection from identity theft and credit fraud, and it alerts you when there are any changes to your public records or when there are suspicious changes to your personal information.
The Score Watch plan is intended for those who would like to keep track of their credit score, and it alerts you when there are unexpected changes to your credit report or your FICO score increases.
Trial Provided: Yes
Trial Price: Free
Trial Length: 30 Days
Trial Details: The 30-day free trial is only provided for the Score Watch program. Those that sign up for the 30-day trial will be contacted by email a week before the trial expires. If you do not cancel prior to the end of the 30-day trial, you will be billed at the annual subscription rate when the trial expires, which is currently $89.95.
Price: $49.95*
Payment Frequency: Yearly*
Processing Fee: Not Available
Price Details: *Prices vary depending on the plan that is chosen, and while there are monthly fees for the monitoring plans, there are only single charges for credit reports and scores.
The prices are as follows:
FICO Quarterly Monitoring - $49.95 yearly ($4.95 monthly).
Score Watch - $89.95 yearly with 30-day free trial ($8.95 monthly without the free trial and with a three month minimum).
Suze Orman's FICO Kit - $49.95.
FICO Standard $15.95.
Save $9.95 per year with a yearly subscription to FICO Quarterly Monitoring or save $17.45 per year with a yearly subscription to Score Watch.
Payment Methods: Credit or Debit Cards.
Payment Policy: Certain applicants may qualify for the option to be billed at a later date.
Important Notations: See the application for the complete terms and conditions of the program.
