MyFico Review

Company Intro

Your credit rating is more important now than it’s ever been.

Buying a car, signing the lease for your first apartment, starting your own business – all of these things rely on your credit rating.

That’s why it’s so important to always know where your credit stands, and that’s exactly what FICO Advanced allows you to do.

Your credit profile includes three credit reports–one from each of the major bureaus (TransUnion, Experian, and Equifax). Only relying on one report can give you a false impression of your actual credit score.

With FICO Advanced, you can easily stay on top of identified changes to all three reports.

Plus, because the FICO® Score is widely recognized as the industry standard for lenders, you can approach your next loan, business, or house with confidence.

Features / Services

Here’s a snapshot of all the features that you get with FICO Advanced:

  • Quarterly access to your most widely used FICO® Scores and a new 3-bureau credit report
  • Instant 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 to your updated credit reports and your most widely used FICO® Scores every quarter
  • A historical tracking graph tracking your FICO® Score 8 from each bureau
  • Monitoring of your 3 credit reports for changes and FICO® Score 8 updates with each new alert
  • Detection of threats to your personal information with intelligent identity theft monitoring
  • Restoration of your identity with expert identity theft features

Below is a more detailed breakdown of each feature.

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

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

Credit Report Change Alerts

They’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 they 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.

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.

FICO® Score Simulator

Use your 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.

myFICO 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.

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 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.

Their app is available for iPhone and Android phones. The myFICO mobile app requires a myFICO credit and identity monitoring subscription as well as access to a wireless network.

Intelligent identity theft monitoring

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

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

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

Price / Plans

FICO offers three plans:

  • Basic
  • Advanced
  • Premier
  • Basic Plan

Price: $19.95/month

Here are all of the features included in the FICO Basic plan:

  • 1-bureau (Experian) coverage
  • Updates every month
  • FICO Scores
  • Scores for mortgages, auto loans & more
  • Credit reports
  • Score and credit monitoringFootnote 22
  • $1 million identity theft insuranceFootnote 33
  • 24×7 identity restoration

Advanced Plan

Price: $29.95/month

Here are all of the features included in the FICO Advanced plan:

  • Complete 3-bureau coverage
  • Updates every 3 months
  • FICO Scores
  • Scores for mortgages, auto loans & more
  • Credit reports
  • Score and credit monitoringFootnote 22
  • $1 million identity theft insuranceFootnote 33
  • 24×7 identity restoration
  • Identity monitoring

Premier Plan

Price: $39.95

  • Complete 3-bureau coverage
  • Updates every month
  • FICO Scores
  • Scores for mortgages, auto loans & more
  • Credit reports
  • Score and credit monitoringFootnote 22
  • $1 million identity theft insuranceFootnote 33
  • 24×7 identity restoration
  • Identity monitoring

Customer Service

FICO Advanced keeps you updated with alerts and important information in whichever way is most convenient for you, whether that be phone, text, email, or mobile app.

If you lose your wallet, get your identity misused, or have your identity stolen, FICO Advanced has a US-based support team available 24/7 to help fix the problem – they’ll even cover expenses related to restoration like legal fees and lost wages up to $1,000,000.

Conclusion / Bottom Line

There’s a reason 90 of the top 100 largest U.S. financial institutions use FICO Scores to make consumer credit decisions.

On top of that, over 23 million FICO® Scores have been sold to U.S. consumers since they launched their consumer service in March of 2001.