myFICO, a division of Fair Isaac, offers consumers tools to monitor their credit, track their FICO credit score, and obtain their credit report. In this myFICO review, we’ll look at these features, evaluate their cost, and compare them to alternative ways to get the same information.

myFICO Plans

There are a couple of paid packages to choose from, depending on your credit tracking needs. Here is what myFICO has to offer:

FICO 3B Report (one-time report)

  • Get a one-time report from all three credit bureaus
  • Instantly access various scores and options, including those most commonly used for mortgage and auto lending, as well as the new FICO Score 9
  • $59.85 one-time cost.

FICO Essentials 1B (basic monthly tier)

  • Receive and access your initial report and scores immediately
  • Receive an updated report and scores monthly
  • Monitor your credit report at Equifax as well as your FICO 8 score
  • Access a number of score calculations, including the new FICO Score 9 and other mortgage/auto lending scores
  • Watch your Equifax progress with the FICO Score 8 historical tracking graph
  • Get notified when you reach your target score or when you qualify for a better interest rate
  • Receive alerts you when unexpected changes to your credit report cause your FICO score to drop
  • $19.95 one-time cost

FICO Ultimate 3B (upgraded monthly tier)

  • Receive and access your initial three reports and scores immediately
  • Receive updated reports and scores from all three bureaus quarterly
  • Monitor your credit reports at all three bureaus, as well as your FICO 8 score
  • Access a number of score calculations, including the new FICO Score 9 and other mortgage/auto lending scores
  • Watch your progress across all three bureaus with the FICO Score 8 historical tracking graph
  • Receive identity theft monitoring with your membership
  • $39.95/month
myFICO dashboard

myFICO Features

Both of the monthly service options also include the following features, standard:

  • Lost Wallet Protection: This provides coverage for credit cards, passports, military ID cards, travelers’ cheques, driver’s licenses, checkbooks, insurance cards, and more. Restrictions may apply.
  • $1 Million Identity Theft Insurance: If you become a victim of identity theft, they’ll reimburse covered expenses related to credit restoration (this includes legal fees, lost wages, and more)–up to $1 million. See for more information.
  • 24/7 Full-Service Identity Restoration: If an identity thief misuses your personal information, myFICO is available 24/7 to help. Their certified resolution specialists will help you every step of the way.

Related: Protecting Your Identity With LifeLock

Pros and Cons

  • FICO Score Access

  • Credit Monitoring

  • Identity Theft Monitoring

  • Cost

Seeing It All

One of the things I really like about is that it doesn’t just give you your score. The site also explains why your score is what it is (good or bad). This information can help you start the process of improving your score. will give you more information about each factor that is either helping or hurting your credit score. You also receive tips on how to improve those factors that may be keeping your FICO score down. For example, my score is impacted by past inquiries and my amount of debt/opened accounts. Both of these were identified by, which gives me a clear indication of what I need to work on if I want to improve my credit score.

FICO Score 8

You can also look within the report itself (not just the score) to see which items are impacting your report. myFICO will tell you exactly how negative or positive these individual accounts may be to your credit report as a whole.

Planning Ahead

Another great feature of is that they allow you to use their FICO Score Simulator to determine how future moves will impact your credit. This information can be really useful if you are looking to buy or refinance a home, get another credit card, or perhaps take out a car loan. You can see exactly how that new report will impact your score with each bureau.

Of course, you can get your free credit report from, too. If it’s just your credit report you’re after, that’s the place to go. But it’s still nice to get your credit report along with your credit score at

Related: How to Get Your Totally Free Credit Report

What’s particularly nice about, though, is that it presents your credit report in an easy-to-read and understand format. The site breaks down your credit report into five separate screens that cover the following topics:

  • Credit at a Glance
  • Accounts
  • Inquiries
  • Collections
  • Public Records

In addition to showing you any missed payments and length of credit history, it also shows your total debt, number of accounts opened, recent inquiries, and more. You then can easily move from page to page to see everything in your credit report.

When reviewing your report, it is important to carefully review the accounts section. This will show you if there are accounts opened that you don’t know about. It will also show you if any creditors have reported missed or late payments. If you think there is an error in your credit report, offers form letters you can use to dispute information in your report.

To get your FICO score and learn more about tracking your credit, check out the official myFICO site.


  • Rob Berger

    Rob Berger is the founder of Dough Roller and the Dough Roller Money Podcast. A former securities law attorney and Forbes deputy editor, Rob is the author of the book Retire Before Mom and Dad. He educates independent investors on his YouTube channel and at