The following products are the best match for home buyers:

Ongoing 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

One-time Report

FICO® Score 3B Report

  • 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
  • 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

Get my One-time report**

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:

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.

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 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® Score 3B Report

Access to your 3-bureau credit report

Get a current snapshot of your credit report from all 3 bureaus

View 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.

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

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.
  • Compare your FICO® Score 8 from all 3 bureaus side-by-side
  • Have access to top factors that have helped determine your scores

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 my Ongoing Monitoring*

$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® Score 3B Report

A snapshot of your current credit standing

There's a reason 90% of lenders use FICO® Scores when making lending decisions–we're the trusted expert. We've got credit down to a science and update our algorithms to stay current with today's lending practices and borrower behaviors.

By viewing your FICO® Scores and credit reports with FICO® Score 3B Report, you'll get insight into how lenders see you and be better prepared when you go to open a new auto loan or refinance a vehicle.

Get my One-time report**

$59.85 one-time

**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 1B Report products must be activated within 12 months of purchase.

The following products are the best match for home buyers:

Ongoing Monitoring

FICO® Ultimate 3B

  • Access the credit scores 90% of top lenders use for mortgage, auto and credit card lending
  • Build credit knowledge and skills
  • Monitor your 3 credit reports for changes
  • 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.

One-time Report

FICO® Score 3B Report

  • Access your 3-bureau credit report & up to 28 FICO scores
  • Compare your FICO Score 8 and credit reports from each bureau in 1 side-by-side view
  • 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
  • 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
Close Details

$59.85 for all 3 bureaus

Sign Up Now**

IMPORTANT INFORMATION: **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.

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® Score 3B Report
FICO® Score 8 Icon | myFICO

FICO® Score 8
for each bureau

View your FICO Score 8–the FICO® Score most widely used by lenders–based on Experian, TransUnion and Equifax data.

Additional FICO Score Versions Icon | myFICO

25 additional
FICO Score versions

Access your FICO® Score 9–the newest FICO Score version–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.

3-bureau credit
report

Know where you stand with all three bureaus. View and easily compare your Experian, TransUnion and Equifax
credit reports.

Side-by-side comparison view

3-bureau credit report comparison – Experian, TransUnion, Equifax – FICO® Score 3B Report

Easily compare your FICO® Score 8 and 3 credit reports for each bureau with a side-by-side view that lets you quickly spot differences.

FICO® Score 8 analysis

FICO® Score 8 Ingredients – FICO® Score 3B Report

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® Score 3B Report

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® Score 3B Report Mobile App

Wherever you are or wherever you're going, feel secure knowing that your FICO® Scores (including the newly released FICO® Score 9) are just a click away.

  • Compare your FICO® Score 8 from all 3 bureaus side-by-side
  • Have access to top factors that have helped determine your scores
Available for iPhone and Android phones. Requires a myFICO credit product as well as access to a wireless network.
Apple Logo Android Logo

Qualifying interest rate estimator

Qualifying loan interest rates – FICO® Score 3B Report

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 3B Report

A snapshot of your current credit standing

There's a reason 90% of lenders use FICO® Scores when making lending decisions–we're the trusted expert. We've got credit down to a science and update our algorithms to stay current with today's lending practices and borrower behaviors.

By viewing your FICO® Scores and credit reports with FICO® Score 3B Report, you'll get insight into how lenders see you and be better prepared when you go to open a new auto loan or refinance a vehicle.

Sign Up Now**
$59.85 one-time

**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 1B Report products must be activated within 12 months of purchase.