FICO is a trusted brand with a lot of knowledge on the subject of credit scores. The publicly-traded company got its start way back in 1956 and released the original FICO credit scoring system in 1989. FICO helps people keep track of their level of lending eligibility and it’s the most widely-used credit score for loan applications to date.
myFICO was established in 2001 to give people direct access to their FICO score and has since expanded to provide credit tracking and identity theft protection services to consumers all over the world. Millions of people trust one of the most well-known names in the credit industry to keep their identities safe with myFICO.
myFICO offers multiple ways to protect your identity and prevent your personal information from being stolen. These are some of the best ways that myFICO protects you from identity theft threats.
FICO Score Monitoring: For complete monitoring of your credit score, you can’t go wrong with myFICO. The service includes watching your credit score, alerting you when something changes, and providing a credit report with monthly updates. These scores and alerts come from at least one of the three major credit bureaus.
Score Simulator: myFICO provides users with a credit score simulator. This allows you to see what your credit score would be if you took out a loan or paid off a credit card. You can do your best financial planning when you know how these actions will affect your credit. myFICO can even protect you from making bad financial decisions that could impact your money and your future.
True FICO Score: FICO is the industry-standard credit score that most lenders use. While other companies can’t provide your true FICO credit score, myFICO can. Using this information, you can use the interest rate estimator to see how your score impacts getting a loan. You can also see potential interest rates and monthly payments.
Impact on Your Scores: myFICO provides a monthly update on what is helping or hurting your credit score. Big financial decisions, loans, and credit card balances all affect this number. If you are educated about what impacts your score for better or worse, you can change your habits and improve the overall picture.
myFICO offers a variety of identity protection pricing plans. To help you decide if it’s the right identity theft prevention service for you, myFICO allows you to pay monthly and cancel at any time.
FICO Basics 1B: This entry-level plan includes monthly updates from one credit bureau. One adult is $19.95 per month ($239.40 per year).
FICO Basics 3B: This mid-level plan includes updates every three months from all three credit bureaus. One adult is $29.95 per month (359.40 per year).
FICO Basics 3B+: This top-tier plan includes monthly updates from all credit bureaus. One adult is $39.95 per month ($479.40 per year).
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