Review – The Easiest Way to Monitor All 3 Credit Bureau Reports

June 24, 2017 by Shwana

Product: Review

Price: $19.95-$59.95/month or $219-$329/year

My Rating:  5 Stars


Product Overview

When it comes to monitoring your credit, there are so many products that provide this service that it can become very overwhelming making the best choice on one that will suit your needs. Most importantly, you need to be fully informed on all 3-credit bureau activity, creditors don’t always report to all 3. is a well-established credit monitoring service that I trust and has been around since March 2001. is the consumer division of the actual FICO score that lenders have been using since 1960. There are multiple programs made to fit different individual needs and budgets.

FICO Scores Products Explained

The MyFico website currently offers four different credit monitoring products that are affordably priced, they are: Score 1B Report, Score 3B Report, Essentials 1B and the most popular Ultimate 3B. All products include your credit score, the initial credit report that each score was based on and any additional FICO Score versions (there are over 28). MyFico just recently switched their scoring model to FICO Score 9 where previously they were using FICO Score 8.

The difference between one scoring model to the next is the percentage at which the credit factors are weighted. Only the Essentials 1B and Ultimate 3B have access to new credit reports and scores with the Essentials 1B’s being monthly FICO Score 9 version from Equifax and the Ultimate 3B being 28 quarterly FICO score versions from all 3 bureaus.

All 4 programs include an analysis of factors that affect your credit scores, a score simulator and an interest rate tracker. Only the 3B report and Ultimate 3B include a side-by-side credit report comparison. The Essentials 1B and Ultimate 3B include the following: 20% discount on additional score and credit report purchases, monitoring w/alerts when report changes are detected, updated FICO score 8 at time of change alert, historical graph tracking updates, customized alert settings delivered via email or text, $1 million identity theft insurance, 24/7 identity restoration and lost wallet protection. Only the 3B Ultimate includes identity analysis report, text or email alerts of potential threats, black market website surveillance and SSN alias watch.

Product Prices

The Score 3B report is a one-time purchase of $59.85 and consists of all 3 credit bureau reports: Experian, Transunion and Equifax.  The Score 1B report is also a one-time purchase of $19.95 which is viewable for 30 days from the date of activation. The Essentials 1B is also 19.95/monthly with a yearly option of $219 both options automatically renew and can be canceled at any time, however there are no partial month refunds given. The same goes for Ultimate 3B which is $29.95/month with a yearly option of $329.

And the Winner Is…                                               

In my opinion, the best program is the FICO Ultimate 3B is the best option and value. You receive all 3 credit reports and FICO scores with the new scoring model FICO score 9. Paying the yearly fee of $329 is the better value as it saves you $30.40. I hope you enjoyed my review, if you have any further questions feel free to comment below or contact me at .

2 thoughts to “ Review – The Easiest Way to Monitor All 3 Credit Bureau Reports”

  1. I am in moderate debt, which I am paying off monthly and I liked your idea to add on to another person’s credit card to greatly enhance my credit score. My mom has great credit, over 780, but she has a lot of debt. My question is, to improve my credit score by adding onto her credit cards as a user, will my debt affect her credit score?


    1. The great thing about the authorized user technique is that although you inherit the credit card holder’s credit history on the credit card your debt stays your own. No, your mother will not inherit your debt or your credit score. Isn’t that great? I’m glad toy hear that your debt is not out of control because this will attribute to your score as well. Thanks for the comment and if you have any further questions don’t hesitate to ask. 

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