The following products are the best match for monitoring your credit:

3-Bureau Credit & Identity Monitoring

FICO® Ultimate 3B

  • Instantly access your 3-bureau credit report and FICO® Scores—including the FICO® Scores most widely used in mortgage, auto and credit card lending, and the newly released FICO® Score 9
  • Access updated credit reports and your most widely used FICO® Scores every quarter
  • Detect threats to your personal information with intelligent identity theft monitoring
  • Track your FICO® Score 8 from each bureau on a historical tracking graph
  • Monitor your 3 credit reports for changes, and get FICO® Score 8 updates with each new alert
  • Restore your identity with expert identity theft features

1-Bureau Credit Monitoring

FICO® Essentials 1B

  • Instantly access Instantly access your Equifax credit report and FICO® Scores—including FICO® Scores widely used in mortgage, auto and credit card lending, and the newly released FICO® Score 9
  • Access your updated Equifax report and FICO® Scores every month
  • Track your FICO® Score 8 from Equifax on a historical tracking graph†
  • Monitor your Equifax credit report for changes, and get FICO® Score 8 updates with each new alert†
  • Restore your identity with expert identity theft features

IMPORTANT INFORMATION:

*Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however partial month refunds are not available. All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more.

†Not all credit report data or transactions are monitored. Monitored credit report data, monitored credit report data change alerts, FICO® Score updates, FICO® Score alerts, monitored transactions, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more.

IMPORTANT INFORMATION:

**Your subscription will automatically renew monthly at $19.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.

All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more.

†Not all credit report data or transactions are monitored. Monitored credit report data, monitored credit report data change alerts, FICO® Score updates, FICO® Score alerts, monitored transactions, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more.

What you'll get with
FICO® Ultimate 3B

Access to a new 3-bureau credit report & 28 FICO® Scores each quarter

FICO<sup>®</sup> Score versions most widely used in mortgage, auto and credit card lending – FICO<sup>®</sup> Ultimate 3B

Get a more complete look at your credit than ever before. Every three months you'll get access to your new 3-bureau credit report and 28 FICO® Scores— including the 19 FICO® Scores most widely used in mortgage, auto and credit card lending, and the newly released FICO® Score 9.

Know where you stand with any one of the three bureaus. View your Experian, TransUnion and Equifax credit report in one side-by-side comparison.

Credit Report Change Alerts

We'll alert you to any identified changes to your Experian, Equifax or TransUnion credit reports via email, text or mobile app. You'll be notified within 24 hours whenever we detect a change in monitored data.

You will also receive updated FICO® Score 8 based on data from all three bureaus.

Monitored credit report data, monitored credit report data change alerts, and alert triggers, timing, and frequencies vary by credit bureau. Learn more.

Intelligent Identity Theft Monitoring

Detect costly threats that could impact your credit history, FICO® Scores, and interest rates. Our sophisticated identity monitoring services uncover threats to your personal information and guard against further exposure.

Black market website surveillance: We'll scan thousands of underground networks worldwide looking for the exposure and illegal selling of your personally identifiable information.

SSN alias watch: We'll monitor names and addresses associated with your identity so you can quickly identify threats.

Qualifying Interest Rate Estimator

We'll show you how your FICO® Scores can impact loan rates and monthly payments so you can understand what FICO® Scores you need to qualify for low interest rates.

FICO® Score 8 Simulator

  • Use our FICO Score Simulator to see how different financial decisions—like getting a new credit card or paying down debt—may affect a FICO® Score 8.
  • Explore up to 24 different simulations, including taking out a mortgage, getting a credit limit increase and more
  • Simulate more than one action at a time to see how multiple actions may affect a FICO® Score 8
  • View a side-by-side comparison of a simulated FICO® Score 8 for all 3 bureaus

$1M ID Theft Insurance

If you do become a victim, we'll reimburse covered restoration expenses including legal fees, lost wages and more—up to $1 million. §

§ Subject to policy limitations and exclusions. See terms and conditions.

24x7 Identity Restoration

If an identity thief misuses your personal information, we're available 24/7 to help. One of our US based certified resolution specialists will assist you every step of the way.

Lost Wallet Protection

If your wallet is lost or stolen, we'll help you quickly cancel and replace missing items so you can focus on more important things.

‡ Lost wallet protection provides coverage of: credit cards, debit cards, checkbooks, driver's licenses, Social Security cards, insurance cards, passports, military identification cards, traveler's checks and Medicare or Medicaid identification.

Other limitations, restrictions and exclusions may apply. See terms and conditions.

FICO® Score 8 Analysis

See the top factors that affected your FICO Score 8 from each bureau with a detailed analysis. Plus, learn how your score factors compare with the common factors of FICO High Achievers — people with a 785+ FICO® Score 8.

myFICO mobile app

Apple Logo Android Logo
Available for iPhone and Android phones, the myFICO mobile app requires a myFICO credit product as well as access to a wireless network.

Top Rated. Customer approved.

  • Wherever you are or wherever you're going, feel secure knowing that your FICO® Scores (and much more) are just a click away.
  • At the bank speaking with a loan officer? Tap the app to review your Auto Score together. Talking interest rates with your mortgage broker? Access the app to help you negotiate a good rate.
  • Get phone alerts when credit report changes or identity threats are detected
  • Have "anywhere access" to your 3-bureau credit reports and scores
  • Stay protected with 24/7 access to your customized identity reports

What you'll get with
FICO® Essentials 1B

Access to a new Equifax credit report every month

Take a fresh look at your credit every month. You'll get monthly access to your new Equifax credit report and 9 FICO® Score versions commonly used in mortgage, auto and credit card lending.

View your FICO® Score 8 (the FICO Score most widely used by lenders) and your FICO® Score 9 (the newest FICO Score version) based on Equifax data. Plus, view 7 additional FICO Score versions: 3 auto-specific versions, 3 credit-card-specific versions, and a FICO Score version often used in mortgage lending.

Credit Report Change Alerts

We'll alert you to any identified changes to your Equifax credit report via email, text or mobile app. You'll be notified within 24 hours whenever we detect a change in monitored data.

Monitored credit report data, monitored credit report data change alerts, and alert triggers, timing, and frequencies vary by credit bureau. Learn more.

Qualifying Interest Rate Estimator

We'll show you how your FICO® Scores can impact loan rates and monthly payments so you can understand what FICO® Scores you need to qualify for low interest rates.

FICO® Score 8 Simulator

  • Use our FICO Score Simulator to see how different financial decisions—like getting a new credit card or paying down debt—may affect a FICO® Score 8.
  • Explore up to 24 different simulations, including taking out a mortgage, getting a credit limit increase and more
  • Simulate more than one action at a time to see how multiple actions may affect a FICO® Score 8

FICO® Score 8 Analysis

See the top factors that affected your FICO Score 8 from each bureau with a detailed analysis. Plus, learn how your score factors compare with the common factors of FICO High Achievers — people with a 785+ FICO® Score 8.

$1M ID Theft Insurance

If you do become a victim, we'll reimburse covered restoration expenses including legal fees, lost wages and more—up to $1 million. §

§ Subject to policy limitations and exclusions. See terms and conditions.

24x7 Identity Restoration

If an identity thief misuses your personal information, we're available 24/7 to help. One of our US based certified resolution specialists will assist you every step of the way.

Lost Wallet Protection

If your wallet is lost or stolen, we'll help you quickly cancel and replace missing items so you can focus on more important things.

‡ Lost wallet protection provides coverage of: credit cards, debit cards, checkbooks, driver's licenses, Social Security cards, insurance cards, passports, military identification cards, traveler's checks and Medicare or Medicaid identification.

Other limitations, restrictions and exclusions may apply. See terms and conditions.

myFICO mobile app

Apple Logo Android Logo
Available for iPhone and Android phones, the myFICO mobile app requires a myFICO credit product as well as access to a wireless network.

Top Rated. Customer approved.

  • Wherever you are or wherever you're going, feel secure knowing that your FICO® Scores (and much more) are just a click away.
  • At the bank speaking with a loan officer? Tap the app to review your Bankcard Score together. Talking interest rates with your mortgage broker? Access the app to help you negotiate a good rate.
  • Get Phone alerts when credit changes to your Equifax credit report are detected
  • Have "anywhere access" to your Equifax bureau credit report and FICO® scores
  • Stay protected with access to identity theft resources and lost wallet protection

FICO® Ultimate 3B

Most complete choice for achieving your goals

Your credit profile includes three credit reports–one from each of the major bureaus. When you apply for a new auto loan or refinance a vehicle, the lender could pull any one of the three.

Because the three bureaus don't share information, your credit reports, and the FICO® Scores based on them, could be different.

With FICO® Ultimate 3B, you'll know your FICO scores and be alerted any time we detect a change in your credit history across all three bureaus or a threat to your identity. Be protected, be prepared and get your next loan with ultimate confidence.

Start Monitoring my Credit & Identity*

$29.95/month*

*Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.

FICO® Essentials 1B

The easy way to monitor your credit

You've got big plans for your future—like purchasing a new car, moving across country or starting your own business. But your big dreams require access to affordable credit.

You'll need a home loan, auto loan or credit for a new computer. How do you get approved for credit? Your lender will likely look at your credit reports and FICO® Scores.

By monitoring your Equifax credit report and receiving your updated FICO® Score 8, you can get a better understanding of your credit picture and approach your next loan with confidence.

Start Monitoring my Credit Only**

$19.95/month**

**Your subscription will automatically renew monthly at $19.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.

The following products are the best match for monitoring your credit:

3-Bureau Credit & Identity Monitoring

FICO® Ultimate 3B

  • Monitor your credit reports for changes across all three bureaus
  • Detect identity threats
  • Access the credit scores 90% of top lenders use for mortgage, auto and credit card lending
  • Instantly access your 3-bureau credit report and FICO® Scores—including the FICO® Scores most widely used in mortgage, auto and credit card lending, and the newly released FICO® Score 9
  • Access updated credit reports and your most widely used FICO® Scores every quarter
  • Track your FICO® Score 8 from each bureau on a historical tracking graph
  • Monitor your 3 credit reports for changes, and get FICO® Score 8 updates with each new alert
  • Detect threats to your personal information with intelligent identity theft monitoring
  • Restore your identity with expert identity theft features
Close Details

$29.95/month*

Sign Up Now*

IMPORTANT INFORMATION: *Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however partial month refunds are not available. All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more.

†Not all credit report data or transactions are monitored. Monitored credit report data, monitored credit report data change alerts, FICO® Score updates, FICO® Score alerts, monitored transactions, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more.

What you'll get with FICO® Ultimate 3B
FICO® Score versions most widely used in mortgage, auto and credit card lending – FICO® Ultimate 3B

Quarterly access to a new 3-bureau credit report and 28 FICO® Scores

Get a more complete look at your credit than ever before. Every three months you'll get access to your new 3-bureau credit report and 28 FICO® Scores—including the 19 FICO® Scores most widely used in mortgage, auto and credit card lending, and the newly released FICO® Score 9.

View your FICO® Score 8 (the FICO Score version most widely used by lenders) and your FICO® Score 9 (the newest FICO Score version) for each credit bureau. Plus, view 22 additional FICO Score versions: 9 FICO Score versions used in auto lending, 10 FICO Score versions used in credit card lending and 3 FICO Score versions often used in mortgage lending. That's insight into your credit profile you can't get anywhere else.

Updated FICO® Score 8

FICO® Score 8 tracking graph – FICO® Ultimate 3B

Receive updated FICO® Score 8 based on data from all three bureaus. We'll monitor your credit reports and update you with a current FICO® Score 8 when we receive alerts for monitored credit report data changes. Updated FICO® Score 8 alerts, and alert triggers, timing and frequencies vary by credit bureau. Learn more.

Credit report change alerts

Credit report change alert with FICO® Score 8 update – FICO® Ultimate 3B

We'll alert you to any identified changes to your Experian, Equifax or TransUnion credit reports via email, text or mobile app. You'll be notified within 24 hours whenever we detect a change in monitored data.

Monitored credit report data, monitored credit report data change alerts, and alert triggers, timing and frequencies vary by credit bureau. Learn more.

FICO® Score 8 analysis

FICO® Score 8 Ingredients – FICO® Ultimate 3B

See the top factors that affected your FICO Score 8 from each bureau with a detailed analysis. Plus, learn how your score factors compare with the common factors of FICO High Achievers – people with a 785+ FICO® Score 8.

FICO® Score Simulator

FICO® Score Simulator – FICO® Ultimate 3B

Use our FICO Score Simulator to see how financial decisions may affect a FICO® Score 8 for each bureau.

Simulate scenarios like:

  • Paying down credit card balances
  • Forgetting to pay a bill
  • Making regular credit card payments

myFICO mobile app

Top Rated. Customer approved.

Average customer rating as of 6/1/16:4.3 star rating

FICO® Ultimate 3B Mobile App

Wherever you are or wherever you're going, feel secure knowing that your FICO® Scores (and much more) are just a click away.

  • Get phone alerts when credit report changes or identity threats are detected
  • Have "anywhere access" to your 3-bureau credit reports and scores
  • Stay protected with 24/7 access to your customized identity reports
Available for iPhone and Android phones. Requires a myFICO subscription as well as access to a wireless network.
Apple Logo Android Logo

Intelligent identity theft monitoring

Identity theft monitoring – Black Market Website Surveillance – FICO® Ultimate 3B

Detect threats to your personal information fast and guard against further exposure with our sophisticated monitoring services.

Black market website surveillance: We'll scan thousands of underground networks worldwide looking for the exposure and illegal selling of your personally identifiable information.

SSN alias watch: We'll monitor names and addresses associated with your identity so you can quickly identify threats.

Lost wallet protection

If your wallet is lost or stolen, a certified restoration specialist will help you quickly cancel and replace missing items so you can focus on more important things in life.‡

24/7 identity restoration

If an identity thief misuses your personal information, we're available 24/7 to help. One of our certified resolution specialists will assist you every step of the way.

$1M ID theft insurance

If you do become a victim, we'll reimburse covered expenses related to restoration including legal fees, lost wages and more – up to $1 million.§

‡ Lost wallet protection provides coverage of: credit cards, debit cards, checkbooks, driver's licenses, Social Security cards, insurance cards, passports, military identification cards, traveler's checks and Medicare or Medicaid identification. Other limitations, restrictions and exclusions may apply. See terms and conditions.

§ Subject to policy limitations and exclusions. See terms and conditions.

FICO® Ultimate 3B

Most complete choice for achieving your goals

Your credit profile includes three credit reports–one from each of the major bureaus. When you apply for a new auto loan or refinance a vehicle, the lender could pull any one of the three.

Because the three bureaus don't share information, your credit reports, and the FICO® Scores based on them, could be different.

With FICO® Ultimate 3B, you'll know your FICO scores and be alerted any time we detect a change in your credit history across all three bureaus or a threat to your identity. Be protected, be prepared and get your next loan with ultimate confidence.

Sign Up Now*
$29.95/month*

*Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.

1-Bureau Credit Monitoring

FICO® Essentials 1B

  • Monitor your Equifax credit report for changes
  • Restore your identity with expert identity theft features
  • Instantly access Instantly access your Equifax credit report and FICO® Scores—including FICO® Scores widely used in mortgage, auto and credit card lending, and the newly released FICO® Score 9
  • Access your updated Equifax report and FICO® Scores every month
  • Track your FICO® Score 8 from Equifax on a historical tracking graph
  • Monitor your Equifax credit report for changes, and get FICO® Score 8 updates with each new alert
  • Restore your identity with expert identity theft features
Close Details

$19.95/month**

Sign Up Now**

IMPORTANT INFORMATION: **Your subscription will automatically renew monthly at $19.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.

All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more.

†Not all credit report data or transactions are monitored. Monitored credit report data, monitored credit report data change alerts, FICO® Score updates, FICO® Score alerts, monitored transactions, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more.

What you'll get with FICO® Essentials 1B
FICO® Score versions commonly used in mortgage, auto and credit card lending - FICO® Essentials 1B

Monthly access to a new Equifax credit report & 9 FICO® Scores

Take a fresh look at your credit every month. You'll get monthly access to your new Equifax credit report and 9 FICO® Score versions commonly used in mortgage, auto and credit card lending.

View your FICO® Score 8 (the FICO Score most widely used by lenders) and your FICO® Score 9 (the newest FICO Score version) based on Equifax data. Plus, view 7 additional FICO Score versions: 3 auto-specific versions, 3 credit-card-specific versions, and a FICO Score version often used in mortgage lending.

Updated FICO® Score 8

FICO® Score 8 tracking graph – FICO® Essentials 1B

Receive updated FICO® Score 8 based on Equifax data. We'll monitor your Equifax credit report and update you with a current FICO® Score 8 when we receive alerts for monitored credit report data changes. Updated FICO® Score 8 alerts, and alert triggers, timing and frequencies vary by credit bureau. Learn more.

Credit report change alerts

Equifax credit report change alert with FICO® Score 8 update – FICO® Essentials 1B

We'll alert you to any identified changes to your Equifax credit report via email, text or mobile app. You'll be notified within 24 hours whenever we detect a change in monitored data .

Monitored credit report data, monitored credit report data change alerts, and alert triggers, timing, and frequencies vary by credit bureau. Learn more.

FICO® Score 8 analysis

FICO® Score 8 Ingredients – FICO® Essentials 1B

See the top factors that affected your FICO Score 8 based on Equifax data with a detailed analysis. Plus, learn how your score factors compare with the common factors of FICO High Achievers–people with a 785+ FICO® Score 8.

FICO® Score Simulator

FICO® Score Simulator – FICO® Essentials 1B

Use our FICO Score Simulator to see how financial decisions may affect a FICO® Score 8 based on Equifax data.

Simulate scenarios like:

  • Paying down credit card balances
  • Forgetting to pay a bill
  • Making regular credit card payments

myFICO mobile app

Top Rated. Customer approved.

Average customer rating as of 6/1/16:4.3 star rating

FICO® Essentials 1B Mobile App

Wherever you are or wherever you're going, feel secure knowing that your FICO® Scores (and much more) are just a click away.

  • Get Phone alerts when credit changes to your Equifax credit report are detected
  • Have "anywhere access" to your Equifax credit report and scores
  • Stay protected with access to identity theft resources and lost wallet protection
Available for iPhone and Android phones. Requires a myFICO subscription as well as access to a wireless network.
Apple Logo Android Logo

Lost wallet protection

If your wallet is lost or stolen, a certified restoration specialist will help you quickly cancel and replace missing items so you can focus on more important things in life.‡

24/7 identity restoration

If an identity thief misuses your personal information, we're available 24/7 to help. One of our certified resolution specialists will assist you every step of the way.

$1M ID theft insurance

If you do become a victim, we'll reimburse covered expenses related to restoration including legal fees, lost wages and more – up to $1 million.§

‡ Lost wallet protection provides coverage of: credit cards, debit cards, checkbooks, driver's licenses, Social Security cards, insurance cards, passports, military identification cards, traveler's checks and Medicare or Medicaid identification. Other limitations, restrictions and exclusions may apply. See terms and conditions.

§ Subject to policy limitations and exclusions. See terms and conditions.

FICO® Essentials 1B

The easy way to monitor your credit

You've got big plans for your future—like purchasing a new car, moving across country or starting your own business. But your big dreams require access to affordable credit.

You'll need a home loan, auto loan or credit for a new computer. How do you get approved for credit? Your lender will likely look at your credit reports and FICO® Scores.

By monitoring your Equifax credit report and receiving your updated FICO® Score 8, you can get a better understanding of your credit picture and approach your next loan with confidence.

Sign Up Now** $19.95/month**

**Your subscription will automatically renew monthly at $19.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.