Three-bureau Report & Identity Theft Monitoring
FICO® Ultimate 3B
- Instantly access your 3-bureau credit report and FICO® Scores—including the 28 FICO® Scores most widely used in mortgage, auto and credit card lending
- Access updates to your credit reports and your most widely used FICO® Scores every month[2] or quarter[1]
- Detect threats to your personal information with intelligent identity theft monitoring
- Track your FICO® Score 8 from each bureau on a historical tracking graph[3]
- Monitor your 3 credit reports for changes, and get FICO® Score 8 updates with each new alert[3]
- Restore your identity with expert identity theft features
FICO® Scores and monthly credit reports
Updates available every month.
$39.95/month[2]
Get access nowFICO® Scores and quarterly credit reports
Updates available every three months.
$29.95/month[1]
Get access nowOne-time Report
FICO® Score 3B Report
- Instantly access your 3-bureau credit report and FICO® Scores—including the 28 FICO® Scores most widely used in mortgage, auto and credit card lending
- Compare your FICO® Score 8 and credit reports from each bureau in 1 side-by-side view
- Discover the top factors that affected your FICO® Scores from all 3 bureaus
- Simulate financial decisions to see how they may affect a FICO® Score 8 from each bureau
$59.85 for all 3 bureaus[4]
Get access nowIMPORTANT INFORMATION:
1. Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however refunds are not available. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include 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 about other FICO Score versions.
2. Your subscription will automatically renew monthly at $39.95 unless you cancel. You may cancel at any time; however refunds are not available. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include 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 about other FICO Score versions.
3. 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 about what credit data is monitored.
4. IMPORTANT INFORMATION:
All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include 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 about other FICO Score versions.
Each FICO® Score 3B Report is a snapshot of your credit profile that is viewable for 30 days from the date of activation. All FICO® Score 3B Report products must be activated within 12 months of purchase.
What you'll get with
FICO® Ultimate 3B
Access to a new 3-bureau credit report & 28 FICO® Scores every month[2] or quarter[1]
Get a more complete look at your credit than ever before. Every month[2] or quarter[1] you'll get access to your new 3-bureau credit report and 28 FICO® Scores—including your most widely used FICO® Score versions. Whether you’re preparing to apply for a mortgage, car loan or new credit card, you can view the right FICO® Scores for the type of credit you're seeking. That’s insight into your credit profile you can’t get anywhere else.
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 about what credit data is monitored.
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
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® Score 3B Report
Access to your 3-bureau credit report
Get a current snapshot of your credit report from all 3 bureaus
View your 28 FICO® Scores most widely used in mortgage, auto and credit card lending.
Side-by-side
comparison view
Easily compare your FICO® Score 8 and 3 credit reports for each of the three credit report bureaus with a side-by-side view that lets you quickly spot differences.
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
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
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.
- Compare your FICO® Score 8 from all 3 bureaus side-by-side
- Have access to top factors that have helped determine your scores
Three-bureau Report & Identity Theft Monitoring
FICO® Ultimate 3B
- Instantly access your 3-bureau credit report and FICO® Scores—including the 28 FICO® Scores most widely used in mortgage, auto and credit card lending
- Access updates to your credit reports and your most widely used FICO® Scores every month[2] or quarter[1]
- Detect threats to your personal information with intelligent identity theft monitoring
- Track your FICO® Score 8 from each bureau on a historical tracking graph[3]
- Monitor your 3 credit reports for changes, and get FICO® Score 8 updates with each new alert[3]
- Restore your identity with expert identity theft features
FICO® Scores and monthly credit reports
Updates available every month.
$39.95/month[2]
Get access nowFICO® Scores and quarterly credit reports
Updates available every three months.
$29.95/month[1]
Get access nowOne-time Report
FICO® Score 3B Report
- Instantly access your 3-bureau credit report and FICO® Scores—including the 28 FICO® Scores most widely used in mortgage, auto and credit card lending
- Compare your FICO® Score 8 and credit reports from each bureau in 1 side-by-side view
- Discover the top factors that affected your FICO® Scores from all 3 bureaus
- Simulate financial decisions to see how they may affect a FICO® Score 8 from each bureau
$59.85 for all 3 bureaus[4]
Get access nowIMPORTANT INFORMATION:
1. Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however refunds are not available. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include 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 about other FICO Score versions.
2. Your subscription will automatically renew monthly at $39.95 unless you cancel. You may cancel at any time; however refunds are not available. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include 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 about other FICO Score versions.
3. 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 about what credit data is monitored.
4. IMPORTANT INFORMATION:
All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include 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 about other FICO Score versions.
Each FICO® Score 3B Report is a snapshot of your credit profile that is viewable for 30 days from the date of activation. All FICO® Score 3B Report products must be activated within 12 months of purchase.
