MyFico Review

Credit Karma
Bottom Line:

3-bureau monitoring; score updates anytime a change is reported to a bureau; no free trial; more expensive than comparable services

Full Review:
There are a number of companies offering comprehensive credit report monitoring service, but myFICO is one of the very few to monitor your actual three-bureau FICO credit scores, which is used in about 90% of credit inquiries related to applying for a loan or new line of credit. Although more expensive than most of its competition, myFICO will send you updates anytime your credit scores change. This is a great feature, as it allows you to keep a constant pulse on your financial health.

myFICO also includes a wide variety of tools to monitor your credit reports, such as financial calculators. These features are all worth it as long as you’re willing to pay the $24.95/month with a minimum three-month commitment. On top of that, you have to pay extra for its identity theft protection services and there’s no free trial. Still, with three-bureau monitoring and ongoing score updates, myFICO offers a rarity with your actual FICO scores, which is a huge plus.

Product Details

Credit Scores: Free Equifax and TransUnion scores
Credit Reports: Equifax and TransUnion reports
Trial Period & Price: Free
Credit Monitoring: Equifax and TransUnion monitoring