Pricing and Features

MyFICO currently offers three different plans varying on frequency of the score retrieval and other features. First off, they have FICO Essentials 1B, which contains the following: monthly access to 6 FICO score versions widely used in mortgage, auto and credit card lending, monthly access to a new Equifax credit report, monitoring of your Equifax credit report, FICO® Score 8 tracking graph, and identity theft protection services. This plan costs $19.95 per month.

Next up is their FICO Ultimate 3B plan. At $29.95 a month, you will have quarterly access to the 19 FICO Scores, quarterly access to a new 3-bureau credit report, monitoring of your credit reports from all 3 bureaus, FICO Score 8 tracking graph for each bureau, and identity theft monitoring and protection services. This is their most popular and best selling package among the three.

Last but not the least, is the FICO Score 3B Report. Take note that this plan does not offer an extra ID theft protection, but focuses on the credit reports. Aside from instant access to the 19 FICO Score, you will be able to receive your current 3-bureau credit report as frequently as you like. Remember, this is the exact report that contributes to 90% of the decision of most financial institutions regarding requests, so you will be looking at the exact same report that they will receive. With this plan, you can already have an accurate idea on how well you will fare for a specific application. Plus, you can check which areas you can improve on to give your credit score a boost. This package is a bit costly at $59.85, but with unlimited retrieval of actual and pertinent scores and reports, you won’t be regretting a single buck of what you paid for.

Customer Support

Aside from their support center and community forums, you may contact MyFICO’s team directly for any concerns and clarifications via email and phone line. Do take note that their office is open from Monday to Friday, 6 AM to 6 PM, and Saturday from 7 AM to 4 PM Pacific Time. You can also follow them on Facebook, Twitter, and Google+.

Achieve Your Goals

Whether you are a beginner in your financial journey or have taken a few steps already, it is never too late to be more educated about financial products that affect your standing, like credit cards, mortgages, auto and student loans. You will be happy to know that MyFICO offers a highly detailed and superbly useful section that discusses each of these products. You can understand how to make the most out of your credit cards, check which duration for your mortgage will offer maximum affordability, and learn more about refinancing and loans. They also offer financial tools like calculators so you can compute on how much you will be spending monthly for a specific venture. With all of the available help from MyFICO, you will surely be able to reach your financial goals at the soonest possible time.

What's the Verdict on MyFICO?

There Are Better Options

MyFICO Review 2017- Conclusion

MyFICO actually offers a decent and relevant package as a credit reporting and monitoring service. Slightly disappointing, however, is the fact that their service does not offer much in terms of credit assistance because they focus heavily on delivering score and reports. Nevertheless, they are one of the few that offers FICO scores, the most utilized scoring system by lending institutions. So if you want to have a close look at your credit and see what others can in your profile, then you should check out MyFICO.