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myFico is one of the most reliable services for credit scores with the three major bureaus. The service also offers protection against identity theft. The service offers credit monitoring and it sends reports to the users every month or quarterly. If a problem is encountered, Fico offers 24/7 identity theft restoration.

myFico – how it works

There are three major plans offered by myFico. They are the Fico Basics 1B, the Fico Ultimate 3B, and the Fico Ultimate 3B+. They have attributed to the number of bureaus the monitor. The 1B plan monitors one credit score bureau while the 3B and 3B+ monitor all major three bureaus. Score monitoring is constant and can be found in all three packages.
Credit monitoring is also offered in these plans. In case of any issues, customers are quickly alerted. Credit scores for mortgages, autos or credit cards are also monitored. Furthermore, Fico finally offers a score simulator, which was not the case just a while ago.

On the other hand, identity theft monitoring is only offered on the 3B and 3B+ programs, as is the case with dark web threats monitoring. Customers can also opt for additional packages which include identity theft insurance up to $1 million.

What customers say about myFico

Customers are generally satisfied with myFico and its popularity is not a myth. Most people can use its online tools to fix their credit score. Even if the website is not as smooth as it could be, myFico customers often recall how they used information on certain accounts to raise their credit score and qualify for mortgages.

Through the service, customers are able to contact creditors and fix any past mistakes. It allows them to lower the interest rates as a result. Even more, the customer service experience at myFico is lauded by most customers, which is not typical to most other alternatives.

But since no service is perfect, myFico is also recommended to offer a few extra tools on how to fix the credit score. This could come in the form of online guidance or traditional DVDs for customers to watch and better understand how myFico can help them fix their own credit score.


Founded in 2001, myFico is one of the most reliable services for credit score and information on identity theft. With one of the best teams in customer service, Fico plans are also highly appraised. At the same time, myFico now offers an increasing number of credit education tools through the official website.

MyFico also offers identity theft protection. Its customers get to learn about the types of threats to deal with. Different types of attacks are also explained. They include phishing, hacking and data breach. Customers are thought about the best methods of keeping their information locked, secured and monitored. For this purpose, they are recommended to check credit reports and bank accounts periodically. Since hackers can always come up with new ways of using personal information, myFico recommends constant observation of credit reports and bank accounts.

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