MyFico
Community Rating
MyFico is the consumer division of FICO, the company that invented the FICO® credit score. FICO® Scores are the most widely used credit scores by lenders in the United States.
Features
- Accessing your FICO® scores from all three major credit bureaus
- Monitoring your credit for changes
- Educational Resources on Credit
- Credit Monitoring
Hours of Operation
Credit Sesame itself doesn’t have specific business hours as it’s an online service. However, their customer service department likely operates during standard business hours, typically Monday to Friday from 9 am to 5 pm PST. You can find contact information for Credit Sesame’s customer service on their website.
Contact
While MyFico doesn’t have a physical location you can visit, here are the ways you can reach them:
- Website: https://www.myfico.com/
- Phone:
- Customer Care: 1-800-319-4433 (Monday-Friday 6:00 AM to 6:00 PM PT, Saturday 7:00 AM to 4:00 PM PT)
- Account Unlock (if locked due to failed security questions): 1-877-220-1541 (same hours as Customer Care)
- Email: You can also contact MyFico through their contact form on the website: https://support.myfico.com/hc/en-us
MyFico Review
MyFico is a credit monitoring and educational service offered by FICO, the company behind the widely used FICO® Scores. It provides consumers with tools to understand, manage, and improve their credit health.
Pros:
- Access to FICO® Scores: Get your FICO® scores, the most influential scores used by lenders, from all three major credit bureaus (Experian, Equifax, and TransUnion).
- Credit Monitoring: Keep an eye on your credit report for changes that might affect your score.
- Educational Resources: Learn about credit, how it works, and strategies to improve your score through MyFico’s educational resources.
- Identity Theft Protection (with some plans): Higher-tier plans offer features like identity theft insurance and restoration services.
Cons:
- Cost: MyFico offers tiered subscription plans, which can be expensive compared to some competitors.
- Limited Identity Monitoring (basic plans): Basic plans only offer minimal credit monitoring compared to some identity theft protection services.
- Slow Updates: Credit report updates might be slower than with some competitors (updates every 3 months on some plans).
Overall
MyFico is a well-established service with a strong reputation for providing access to accurate FICO® scores and credit information. It’s a good option for those who prioritize access to FICO® scores and educational resources for credit management. However, the cost and potentially limited identity theft protection features might make it less attractive compared to some competitors offering broader protection at a lower price point.
Here are some additional factors to consider:
- Your budget: If cost is a major concern, explore free credit report and score options or consider identity theft protection services with more comprehensive features for a similar price.
- Your credit needs: If you’re actively working on improving your credit score, MyFico’s educational resources might be valuable.
- Your desired level of identity theft protection: If robust identity theft protection is a priority, MyFico might not be the most comprehensive option.