Best Reviews TopConsumerReviews.com Best Credit Reports Best Reviews
Best Reviews
      February 15, 2019

Home  >  Credit Reports  >  My FICO vs Credit Report

Best

Credit Reports

  1. Free Credit Score
  2. My FICO
  3. Credit Reporting
  4. Credit Report
  5. Free Score 360

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!
  • Compare

Your Information Is Secure
101 Tips to Raise Your Credit Score Newsletter

Latest Reviews

Bunk Beds

Charm Bracelets

Dating Sites

Eczema

Flower Delivery

Fruit Baskets

Guitar Lessons

Hair Loss

Menopause Relief

Online Stock Brokers

Watches

 

Individual Reviews

Equifax

Free Credit Score

My FICO

Credit Reporting

Credit Report

Free Score 360

 

Related Articles

How Often Should You Check Your Credit Report?

Why Is A Good Credit Score Helpful?

What Kind Of Information Will Your Credit Report Contain?

What Can You Do If Your Credit Report Is Wrong?

How You Can Raise Your Credit Score If Itís Low

 

Our professional reviewers evaluate products and services independently, but Top Consumer Reviews may earn money when you click on the links on our pages. Learn more.

Better Business Bureau Reliability Seal

My FICO vs Credit Report

Best Credit Reports

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

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

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

Best Reviews

2019

Credit Report Reviews

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.

Visit Site

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!

Capital One debuts a business credit report tool

Capital One is launching a new tool called Business CreditWise, which allows business owners to monitor and make corrections on their credit reports for free. Yahoo Finance's Alexis Christoforous ...

Published:  Thu, 14 Feb 2019 08:35:00 GMT



Elevate Credit: Does A Positive Earnings Report Signal A Lucrative Entry Point

Elevate Credit is an online subprime consumer lender that IPOed in April 2017. Since then its shares have materially underperformed peers. In February 2019, it released a positive 4Q 2018 earnings ...

Published:  Thu, 14 Feb 2019 13:22:00 GMT



Capital One Offers Free Business Credit Reports for Everyone

At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Here's how we make mone...

Published:  Thu, 14 Feb 2019 05:53:00 GMT



5 credit cards that offer free credit scores - and lucrative rewards

Hard inquiries can harm your credit score, but these are inquiries into your credit report that are performed by a potential lender when you apply for a loan or line of credit. When you check your cre...

Published:  Tue, 12 Feb 2019 14:34:00 GMT



Beware! These common credit score report errors can deny you much-needed home, car, personal loan

The importance of credit score and credit report is by far known to many of us. Checking and being aware of your credit score is a huge step towards maintaining your credit health. Your credit report ...

Published:  Fri, 15 Feb 2019 03:26:25 GMT



Consumers requested the lowest number of credit inquiries since 2003 - why that's a cause for concern

... quarter - these are credit inquiries that occur when a consumer authorizes a lender to request a copy of their credit report. Comparatively, there were over 218 million such credit inquiries repor...

Published:  Tue, 12 Feb 2019 13:53:00 GMT



Credit Suisse Reports First Post-Tax Profit Since 2014

Credit Suisse has announced its fourth quarter and full-year financial results for 2018 this Thursday, with the Swiss multinational firm showing a solid year by reporting its first post-tax profit sin...

Published:  Thu, 14 Feb 2019 00:01:00 GMT



1st United Credit Union Reminds Consumers to Review Credit Report

This post was contributed by a community member. 1st United Credit Union reminds consumers that it's time to check their credit reports. Regular review helps to catch discrepancies and reveal a ...

Published:  Thu, 14 Feb 2019 14:47:00 GMT



Hosting partner of major credit reporting agencies hacked and data stolen

Image-I-Nation Technologies Inc., a technology and hosting partner of major credit reporting agencies, has been hacked and consumer credit data stolen. The company provides services to the likes ...

Published:  Wed, 13 Feb 2019 19:50:00 GMT



5 Things to Know About Mortgage Loans and Bad Credit

You can generally improve your credit score by disputing errors on your credit report, paying down high credit card balances and getting any delinquent accounts back in good standing. 2.

Published:  Wed, 13 Feb 2019 11:01:00 GMT



Share Us!    Share TopConsumerReviews.com on Twitter Share TopConsumerReviews.com on LinkedIn Share TopConsumerReviews.com on Google+ Share TopConsumerReviews.com on Pinterest

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure