Too bad its an expensive service that has security holes in it.
Monthly cost:$40Yearly cost:No annual planFamily plan:NoNo.
Our MyFICO review will help you determine if it fits in with your lifestyle and budget.
MyFICOs Advanced plan adds access to scores and reports from all three credit bureaus, but only quarterly.
It comes with something the others lack: 12 of the most used FICO scores.
The plan also includes dark web identity monitoring and costs $30 a month.
It covers all three credit agencies but scoring and reports are issued monthly.
Unfortunately, MyFICO has neither a family plan nor an annual one.
Still, it lacks things like aVPN,password manager and malware protection.
Later, Toms Guide reimbursed me for the cost.
I dropped the service at the end.
In other words, its a 360-degree view of your credit data and history.
At any time, its easy to buy an instant report for $16 each.
It not only appraised my credit mix, length of credit history and payment history, but debt load.
My favorite, though, is the Resilience score for how well I might survive bad financial times ahead.
Theres a useful score tracker for the all-important FICO Score 8 rating to see changes over time.
you’re free to dig into each FICO score to see its changes over time too.
It may not warn of data breaches, but MyFICO Premier has dark web scanning for personal identifiers.
It can also help with travel expenses and getting new documents, like a passport or drivers license.
The service uses the American Bankers Insurance Company of Florida to underwrite the protection.
These items can also be sent via email for prompt action.
They can overwhelm you, though.
Often the same alert would be repeated for the three credit agencies reporting it.
For good or bad, it alerted me when my score changed.
I started by picking the $39.95 Premier plan from the website.
I paid with a credit card but could have used PayPal.
Done, the site took me to MyFICOs Dashboard, where I immediately saw my credit scores.
Still, I needed to get and plant the MyFICO: FICO Score & Reports app for my phone.
The service also has two-factor authentication.
This added a minute to the setup process for a total of less than 10 minutes.
All my data that traveled on the internet and was saved on the companys servers in encrypted form.
This made a data breach less of a worry.
If you have an identity crisis, theyre available 24/7.
Setting the internet tool to 50% provides a comfortable HD workspace that requires a little scrolling.
At 33% every item is visible, but the pop in is too small to read.
Its important to note that the actual FICO score being used is in the upper left.
A level down is a two-year timeline of payments.
MyFICOs Simulator really shines.
The estimated scores for each agency show up above.
Theres also a drop-down menu in the interfaces upper right that shouldnt be overlooked.
The Education service is a gem and central to MyFICOs mission.
While others treat this as an add-on that few will use, its at the heart of MyFICO.
They come out every week or two and the latest concerned managing credit card debt in an inflationary environment.
It took less than a minute to set it up.
As good as MyFICO is at credit monitoring and providing scores, it falls short in basic security.
My three credit scores showed up immediately with the ability to change to different FICO ratings below.
Finally, I was able to press Cancel my Subscription.
I was told it would take effect on the next billing day.
It took an hour to get a confirmation email.
However, it excels with excellent simulators and articles.
