Last Updated: 01/08/2026
SuperMoney User Recommendation Score +20
Mostly recommended5 total votes
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Highlights
Community Rating
Mostly recommended
Identity Protection
- Identity Restoration Support
- Identity Theft Insurance
- Identity Theft Monitoring
Monthly Service Fee
$0 - $39.95(Verified 12/30/2025)
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Number of Reviews
myFICO Review
myFICO Pros & Cons
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myFICO FAQ
What is myFICO?
myFICO is based in San Rafael, CA and was founded in 2001. Credit monitoring is the process of reviewing your credit reports for accuracy and changes that may be caused by fraudulent activity. You can monitor your credit by yourself or by using a credit monitoring service, such as myFICO.
How much is myFICO?
myFICO charges a monthly fee that ranges from $0 up to $39.95.Does myFICO offer a trial?
Although myFICO does not offer a free trial, it does have a free plan that does not require a credit card.How accurate is myFICO?
myFICO is as accurate as the information on your credit bureau reports. Only you can tell if the information is incorrect or incomplete.myFICO offers access to all three credit reports, which is a huge benefit if you want to ensure all the information used by creditors is accurate.
Your credit reports can differ significantly depending on which credit bureau's data you use. So, it is a good practice to check all three credit reports.
myFICO offers access to the credit reports mentioned below.
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Credit scores also vary depending on the model used, such as Vantage or FICO®. myFICO does not give you access to your FICO® Score. Other score models, such as VantageScore, are useful but they don't show you the score most lenders are looking at.
How often does myFICO update?
myFICO allows you to check an updated version of your credit report
What features does myFICO offer?
Here is a summary of the features myFICO offers.
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| Credit Bureau Reports |
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| Credit Monitoring Features |
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| Credit Report Frequency | Monthly | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Identity Protection |
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Does myFICO offer identity protection?
myFICO does not provide identity protection services.What is the identity theft insurance limit?
myFICO offers a maximum coverage for identity theft of $1,000,000.Does myFICO help with fixing credit report errors?
No, myFICO does not help with credit report error disputes.Does myFICO help you put a credit freeze on your credit report?
No, myFICO does not help you put a freeze on your credit report. This article provides a detailed step-by-step guide on how you can do it yourself.
How to contact myFICO?
The easiest way to contact myFICO is visit their website and go to their help and support page. You can typically find a link on the footer of their homepage. If you're interested in opening an account, click here.
How to cancel myFICO membership?
To cancel your myFICO membership, log in as you usually do. Go to your profile or account page and request a membership cancellation.
How can I join myFICO?
- Visit the myFICO website.
- Fill in the enrollment form. You will typically need to provide general financial information, such as your name, Social Security Number, and address.
- Check the information is accurate and submit your application.
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