MyFICO Review

By Kevin Mercadante


myFICO is the official site of FICO® Scores—the credit scores most widely used by lenders—and their FICO® Ultimate 3B credit and identity monitoring subscription gives you a more complete look at your credit than ever before. As a subscriber, you’ll get quarterly access to your credit reports from all 3 credit bureaus and 28 FICO Scores—including your FICO Scores most widely used in mortgage, auto and credit card lending. Plus, with their detailed score analysis, FICO® Score Simulator and more, you’ll get unique insight into your credit profile you can’t get anywhere else.

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Features & Highlights

In addition to your FICO Scores and credit reports from all three credit bureaus, FICO Ultimate 3B monitors your credit reports for changes and gives you access to identity theft monitoring features, a detailed score analysis and helpful financial tools. 

Quarterly access to 3 credit reports & 28 FICO Scores: FICO Ultimate 3B gives you access to new, updated credit reports and 28 FICO Scores every three months, so you’re never more than a few months away from getting a fresh look at your comprehensive credit picture.

3-bureau credit report monitoring: FICO Ultimate 3B monitors your credit reports from all 3 bureaus and alerts you of any detected changes via email, text or the myFICO mobile app on iPhone or Android.

FICO Score 8 updates: With each new credit report change alert, you’ll see your most current FICO Score 8—the FICO Score most widely used by lenders.

Identity theft monitoring: FICO Ultimate 3B also includes intelligent identity theft monitoring that monitors for threats to your personal information.

FICO Score 8 analysis: You’ll get a detailed breakdown of the top factors that affected your FICO Score 8 from each bureau, including an in-depth analysis of your FICO Score Ingredients—the 5 main categories of credit report data that affect your FICO Scores.

FICO Score Simulator: You can use the 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.

Transaction Monitoring: Connect your credit, debit and savings accounts to your FICO Ultimate 3B account and set up custom alerts to get notified of key transaction events, such as when you’re approaching your credit card limit, upcoming payment due dates and more.

Sign Up Process

Signing up for FICO Ultimate 3B is simple and straightforward. You’ll need to provide personal information such as your name, address, email, date of birth and Social Security number. You’ll also need to provide your credit card information, which will be used for monthly billing. Once you’re signed up and logged in to FICO Ultimate 3B through myFICO’s secure site, you’ll find the intuitive layout and straightforward navigation make finding whatever information you’re looking for incredibly simple. You can easily switch between viewing your FICO Scores and sorting through your most recent alerts, or updating your credit reports to see what’s changed since your last one. myFICO’s site also has in-depth credit education pages, where you can learn about credit from the industry experts. You can also join the discussion over at the myFICO Forums, where consumers share information about a wide range of topics on FICO Scores, credit reports and other credit-related topics

Pricing Concerns

FICO Ultimate 3B includes all the features listed above for two different pricing plans. You have the option of a $29.95/per month subscription or a $329/year subscription that saves you $30 compared with the monthly subscription. Once you sign up, your subscription will automatically renew monthly (or annually depending on your plan) until you cancel.

Customer Support

myFICO Customer Care is available by toll-free phone Monday through Friday, from 6 am to 6 pm PT, and on Saturdays from 7 am to 4 pm PT. You can also send them questions via email, and they will get back to you within two business days. myFICO also has comprehensive Support FAQs that’ll help you find answers to most of your questions.

Bottom Line

FICO Ultimate 3B is a comprehensive credit and identity monitoring service that makes it easy to stay on top of changes to your credit and keep up-to-date with your credit reports and FICO Scores. Considering it gives you quarterly access to new credit reports and 28 FICO Scores—including the scores most widely used in mortgage, auto and credit card lending—FICO Ultimate 3B can be a vital part of your financial health.


181 Metro Dr # 6

San Jose, CA 95110

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  About Kevin Mercadante

 Kevin Mercadante is a freelance professional personal finance blogger,
 and the owner of his own personal finance blog, He
 has extensive backgrounds in both accounting and the mortgage industry.
 Follow Kevin on Google+.


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