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My FICO vs Credit Report

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

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Monitoring your credit score is essential in today's times. Not only is having a good credit score and credit history important in obtaining an affordable car loan or renting an apartment, it can determine whether you get a job and are able to put food on the table for your family. To further accentuate the importance of knowing your credit score, over $1 billion in identity theft occurs each year.

Proactively managing and monitoring your credit is the only way to protect yourself from being the next victim. Being in tune with your credit score and real time credit activity has never been more important. In the past few years, credit report and monitoring services have popped up and gained the business of millions of American people. However, not all credit report services are alike.

Continue reading below reviews

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2019

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3 stars
My FICO

MY FICO Visit Site

Cost:

$4.95 per month

My FICO offers a number of services including FICO Quarterly Monitoring for only $49.95 per year or $4.95 per month. While this is certainly very affordable, the services provided are also less frequent and thorough.

My FICO does allow you to cancel your subscription at any time and they provide a 20% discount on additional FICO scores purchases and TransUnion credit reports. That said, My FICO works solely with TransUnion and does not provide any comprehensive three-agency reporting. This does bring concern as accounts and fraud can occur with any agency and may not appear on TransUnion ever.

FICO Quarterly Monitoring reviews 400 data sources on a weekly basis. Email alerts are sent if any of the following occur that are tied to your identity:

  • New names and date of birth
  • Social security numbers
  • New addresses and phone numbers

FICO Quarterly Monitoring also provides you with your TransUnion credit score and credit report every three months. Within the report you may determine if any suspicious activity, new accounts, or other issues have occurred within that time frame that you weren't previously aware of.

Identity Theft Insurance is provided within the FICO Quarterly Monitoring subscription and includes assistance with resolving any identify theft events. You access their assistance line from a toll-free number managed 5 days a week. Identity theft insurance coverage is up to $25,000 for associated costs.

My FICO's credit reporting is only comprised of one reporting agency and therefore limits the entire picture of your true credit activity. We also felt the weekly monitoring was not as proactive as the daily reporting offered from our top-ranked services, and therefore allowed the potential for several theft events to occur before you're made aware of the risk.

Visit Site

2 stars
Credit Report

CREDIT REPORT Visit Site

Cost:

$14.95 per month

Credit Report provides a straightforward website but with bare bones information. Forget about tools and customer support to assist you. The $14.95 monthly free provides a single credit report and monitoring service.

By ordering your free credit report and free credit score, you will automatically be enrolled in a 7 day free trial of 3 bureau credit monitoring and credit score tracking. You'll receive automatic email alerts whenever there is a significant change to any of your credit reports or when there is an important shift in your credit score.

What those alleged "significant changes" are, was not made available to us to determine if the effort is in fact thorough. For each month that you continue your membership your credit card will be billed $14.95. You may cancel anytime - there is no obligation.

This company has been in business for over 10 years and provides a direct link to the Better Business Bureau to identify their rating and any negative business dealings. This company rates above average with most complaints centering around issues with bad charges back in 2007.

Overall, Credit Report was lacking across the board in tools and information. We recommend a higher ranked provider.

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Continued from above

Some companies provide a wide list of credit related services to meet all your credit reporting needs, while others provide only bare basics with little or no customer assistance. Some companies offer insurance up to $1,000,000 and some provide very little to no coverage in the event that identity theft does occur.

If your goal is to improve your credit while effectively avoiding identity theft you'll want to choose a credit report service that specifically meets your needs. This includes assistance with disputing credit report errors, monitoring the progress of improving your credit, providing a knowledgeable staff to answer all your questions, offering insurance to pay for identity theft, and more.

With a number of credit report and monitoring services available today it's important to consider some key aspects of each company before making a decision. Some of these factors include:

  • Cost.  How does their price compare to their competition? Is the charge fair and reasonable and does it fit into your budget?. Do they charge monthly or is their one flat fee?
  • Credit Bureau Sources.  Where are the credit reports obtained from and what is being monitored for credit events? The most comprehensive credit reporting will include all three major credit bureaus including Experian, Equifax, and TransUnion.
  • Resources.  In the event that you need to dispute a credit report item does the company offer easy to use online tools? Does the company offer resources to help improve your credit score, and does it provide assistance in obtaining the best rates for your major purchases?
  • Assistance.  Credit reports are complicated and laws change frequently. Does the service provider have a knowledgeable customer service team?

TopConsumerReviews.com has reviewed and ranked the best credit report services available today. We hope these reviews help you find out your credit score and credit history right away!

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