MyFico Credit Services

How is your credit

 
There is an increasing number of companies that will help consumers check and track your credit score, otherwise known as your FICO score. One option consumers have is to go straight to the company that invented FICO scores, Fair Isaac. They now have an several offerings under the MyFico umbrella. The typical family now has dozens of accounts when you add up checking, savings, credit cards, communication services, mortgages, etc. All of these are potential inputs to credit scores and reports that could create problems. When identity theft is factored in, one can see why more and more consumers choose services like MyFico.

FICO Standard: $15.95

This is a one time service consumers can buy that will disclose their FICO credit score and credit report from Equifax or TransUnion. These are two of the top three credit agencies in the United States. FICO Standard is a good option when one needs to check their credit report a single time before a large purchase of a house or a car.

FICO Quarterly Monitoring: 4.95 per month

FICO® Quarterly Monitoring offers access to only the TransUnion score and report, but allows you to check it four times per year. There are options to pay monthly or yearly for this service. Though this limits your access to only one credit agency, it provides piece of mind to customers that like to periodically check their credit.

Score Watch: 12.95 per month

Score Watch will alert customers when their FICO score changes, for the better or for the worse. While this service might be overkill for many, it is invaluable to those that have had identity theft problems.

Suze Orman's FICO Kit Platinum: $49.95

Not everyone likes Suze Orman's style. But those who do will enjoy this option. Besides the score and reports available with the other options, customers can use the full featured web application to cut debt, strive for savings goals, simulate the impact of buying and savings decisions. The price is a bit steep, but it can really pay for itself when all the features are used.

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