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      April 10, 2020

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My FICO vs LifeLock

Best Credit Monitoring

To help you find the Best Credit Monitoring Companies, TopConsumerReviews.com provides you with an in-depth comparison of My FICO and LifeLock.

To see ALL of our reviews for the Best Credit Monitoring Companies, please Click Here

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.

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Best Reviews

2020

Credit Monitoring Reviews

4 stars
My FICO

MY FICO

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Cost:

From $19.95 to $39.95/month

My FICO offers four plans: basic ($19.95), advanced ($29.95), premier ($39.95), and a family plan ($49.95). All of the plans come with the ability to view your FICO Score. This is the calculation used by most lenders to gauge financial responsibility. The four plans from My FICO come with similar features, but the premier plan is the most robust.

The credit monitoring service offered by My FICO includes the following:

  • Complete 3-bureau coverage
  • Updates every month
  • FICO Scores
  • Scores for mortgage, auto loans & more
  • Credit reports
  • Score and credit monitoring
  • $1 million identity theft insurance
  • 24x7 identity restoration
  • Identity monitoring

The FICO Family advanced plan covers 3-bureau quarterly reports and FICO score updates for 2 adults, 3-bureau credit monitoring and FICO score alerts for 2 adults, identity theft monitoring for 2 adults and up to 10 children, and fraud resolution and up to $1 million in identity theft insurance for the whole family.

The FICO score from My FICO comes from reports from Experian, TransUnion, and Equifax. You can view reports side-by-side to spot potential errors and understand score discrepancies. My FICO constantly monitors credit files and sends notifications regarding changes like inquiries, address changes, late payments, and new accounts.

Other helpful pages from My FICO include FAQ, credit education, blog, and a community forum. The community forum allows customers to ask questions and get help from others on a variety of topics including credit card discrepancies, bank cards, paying off debts, and more. Help videos are available on the website as an additional way to help users understand the basics of building credit scores, paying off debts, and using the My FICO platform.

The Better Business Bureau gives My FICO an A+ rating. We like that individuals can find out their actual FICO score from My FICO, rather than just going off of their VantageScore. FICO scores are more accurate and reliable for those who are seriously considering taking out a large loan or applying for housing. Although the plans are more costly than some competitors, it may be worth it for those wanting long-term FICO credit monitoring for themselves and/or their family.

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3 stars
LifeLock

LIFELOCK

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Cost:

From $9.99 to $34.99/month

In addition to credit monitoring, LifeLock offers other services in the realm of cyber security to protect household devices and give parental controls to families. Four package options are available for customers looking for identity protection services. The package costs range from $9.99 to $34.99 and all pricing goes up after the first year. The price range depends on the extent of services needed by the customer.

The most thorough and expensive package is the Norton 360 with LifeLock Ultimate Plus. This package includes includes:

  • Identity and Social Security alerts
  • Credit Monitoring: Three Bureaus
  • Security for Unlimited Devices
  • VPN for Unlimited Personal Devices
  • Bank Account & Credit Card Activity Alerts
  • Alerts on Crimes Committed in Your Name
  • Annual Three Bureau Credit Reports and Credit Scores
  • 401(k) and Investment Activity Alerts

LifeLock's pricing is on the higher end of the spectrum when compared to competing companies that offer similar services. Their package options do not include features that are vastly different from other companies offering similar services. Something LifeLock lacks is a good family plan. Children can be added to receive coverage for an extra $5.99 a month, but spouses must purchase a separate plan for themselves.

The Better Business Bureau give LifeLock an A- rating. Other customers give average feedback about the services received by LifeLock. Many people are frustrated with overly heavy marketing efforts. Some report being bombarded with emails and physical mail. In 2015, the Federal Trade Commission brought allegations against LifeLock after people complained that they did not provide the services they advertised.

LifeLock's actual services seem to be satisfactory to customers who use them. Despite their customer complaints, luckily they have never experienced a security breach that would put their customers at risk. We feel their pricing is quite a bit higher than other companies who provide similar services. Rather than just focusing on credit monitoring and helping individuals improve their credit scores, LifeLock puts efforts into cyber security. For credit monitoring specifically, we suggest using a higher-rated site.

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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!

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