myFICO review

myFICO is run by Fair Isaac, the company behind the FICO Score, and its draw is score accuracy rather than identity extras. The free plan covers one bureau, Equifax, with monthly updates and FICO Score 8. Basic, at $19.95 a month, switches to Experian and adds FICO Score versions for mortgages and auto loans, a FICO Score 8 simulator, up to $1 million in identity theft insurance and 24x7 identity restoration. Advanced at $29.95 gives complete three-bureau coverage updated every three months with identity monitoring, while Premier at $39.95 updates all three bureaus every month and adds a simulator for FICO mortgage scores. All plans renew monthly, and myFICO states that refunds are not available when you cancel. For pure fraud alerts the price is high next to Aura or IdentityIQ, but if you are about to apply for a mortgage, seeing FICO Scores 2 and 4 is the main reason to choose it.

Who it is for

People planning a mortgage or car loan who want the FICO Score versions lenders check.

Price

Free Equifax plan; Basic $19.95, Advanced $29.95 and Premier $39.95 per month.

$19.95 for Basic, $29.95 for Advanced, or $39.95 for Premier
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Free plan with one-bureau Equifax coverage and monthly updates
• Basic adds FICO Scores for mortgages, auto loans and more, plus a FICO Score 8 simulator
• Complete three-bureau coverage on Advanced and Premier
• Up to $1 million identity theft insurance and 24x7 identity restoration on paid plans
• Identity monitoring on Advanced and Premier

Strengths and weaknesses

• Strength: Shows FICO Score versions used by lenders
• Strength: Free Equifax plan with no card
• Strength: Premier includes the mortgage score simulator
• Weakness: Three-bureau plans cost $29.95 or more
• Weakness: No refunds when you cancel
• Weakness: Advanced updates three-bureau data only every 3 months

Key facts

• Free: Equifax, monthly updates
• Basic: $19.95 per month, Experian
• Advanced: $29.95 per month, 3 bureaus quarterly
• Premier: $39.95 per month, 3 bureaus monthly
• Insurance: Up to $1M on paid plans

Where it ranks

myFICO is No. 7 in our Best Credit Monitoring Services verdict.