Our reviewers evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.

My FICO vs Equifax

Friday, December 4th

2020 Credit Monitoring Company Reviews

My FICO Review 4 Star Rating

My FICO

4 Star Rating
  • Cost: From $19.95 to $39.95/month

My FICO is one of the few places you can actually get a true FICO score, rather than a VantageScore. FICO scores are typically used by lenders and prove to be more accurate than other credit calculations. Four plans are available for customers from $19.95 - $49.95/month from My FICO. Their services seem to be thorough and we are happy to see a place where individuals can check their actual FICO score.

Equifax Review 3 Star Rating

Equifax

3 Star Rating
  • Cost: From $14.95 to $19.95/month

Equifax has lots of credit monitoring options at affordable pricing for consumers. Their major downfall is their poor reputation that has lingered since a major data breach in 2017. For those willing to overlook this major event and put trust in the future of Equifax, the features offered through the company many prove valuable.

Who Provides the Best Credit Monitoring Service?

Where is the best place to monitor your credit? In order to purchase a home, buy a car, or obtain almost any kind of loan, you need good credit and history. Falling behind on credit card payments, making too many expensive purchases, opening multiple credit card accounts, filing for bankruptcy, not paying monthly bills, and other factors may cause your credit score to drop significantly. On the flip side, staying on top of credit card payments, paying bills right away, and paying off loans are a few of the ways you can build a fantastic credit score.

Staying aware of your current credit score and proactively working to keep it up will help you, in almost all, financial aspects of your life. During the interview process, companies looking to hire may even request access to a modified credit report to check for signs of financial distress. This helps companies know if candidates may be at risk for committing theft or fraud. With new online services, you can easily access your credit score and stay on the road to financial success.

Compare the Best Reviews

Continued from above...

Aside from working to qualify for a loan or your next big career move, a big issue in the world today is identity theft. It is estimated that nine million Americans are victims of identity theft each year. Sometimes this can be caught by watching to see if your credit score takes a major hit. If this is the case, you can dispute the credit report and work to fix the problem. Working with a credit monitoring company that has good customer service to help you through potential issues is important.

Before choosing a credit monitoring service, we suggest you keep the following criteria in mind:

  • Cost. Will you be charged a monthly fee? How do rates compare to their competitors? Find a company that works to keep things budget-friendly.
  • Customer Service. It is important to have easy access to a knowledgeable customer service team that can clearly answer your questions. It can be frustrating to be left confused or jump through hoops to speak to an agent.
  • Resources. Is the website easy to navigate with plenty of straightforward options to manage your credit report? The company should be your advocate for helping you improve your credit score and find the lowest rates on purchases.

To help you identify the best credit monitoring service, TopConsumerReviews.com has reviewed and ranked a variety of options. We hope this information helps you find a credit monitoring company that will provide a good experience for you!

See the Best Credit Monitoring Company
The Best Reviews of Credit Monitoring Companies