FICO® Identity Ultimate 3B

Monitor your identity, credit and FICO Scores in one place

  • Get a one-time identity analysis report to review existing or potential fraud
  • Detect threats to your personal information with intelligent identity theft monitoring
  • Restore your identity with expert identity theft features

$29.95/month 1

1. Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.

All FICO® Score products made available on include a FICO® Score 8, and may include additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more about other FICO Score versions.

16.7 million Americans were victims of identity theft in 2017.3

All it takes is one incident to seriously affect your credit. With identity theft at a record high, reviewing your credit and identity information can be the best thing you do today.

3. 2018 Identity Fraud Study by Javelin Strategy & Research

3 bureau credit report sample

View your comprehensive credit picture

FICO® Identity Ultimate 3B gives you quarterly access to a new 3-bureau credit report, so you can get a detailed view on what's affecting your credit. We'll send you email reminders whenever your new 3-bureau credit reports are ready to be pulled—so you can learn right away if anything has changed.

Intelligent identity theft monitoring

Detect threats to your personal information fast and guard against further exposure with our sophisticated monitoring services.

Black market website surveillance: We'll scan thousands of underground networks worldwide looking for the exposure and illegal selling of your personally identifiable information.

SSN alias watch: We'll monitor names and addresses associated with your identity so you can quickly identify threats.

black market website surveillance social security number alias watch


If your wallet is lost or stolen, a certified restoration specialist will help you quickly cancel and replace missing items so you can focus on more important things in life.3


If an identity thief misuses your personal information, we’re available 24/7 to help. One of our certified resolution specialists will assist you every step of the way.


If you do become a victim, we’ll reimburse covered expenses related to restoration including legal fees, lost wages and more — up to $1 million.4

3. Lost wallet protection provides coverage of: credit cards, debit cards, checkbooks, driver's licenses, Social Security cards, insurance cards, passports, military identification cards, traveler's checks and Medicare or Medicaid identification. Other limitations, restrictions and exclusions may apply. See terms and conditions for lost wallet protection..

4. § The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.

Credit report change alerts

We'll alert you to any identified changes to your Experian, Equifax or TransUnion credit reports via email, text or mobile app. You'll be notified within 24 hours whenever we detect a change in monitored data.

Monitored credit report data, monitored credit report data change alerts, and alert triggers, timing, and frequencies vary by credit bureau. Learn more about what credit data is monitored.

credit report change alerts
updated FICO® Score 8

Updated FICO® Score 8

Receive updated FICO® Score 8 based on data from all three bureaus. We’ll monitor your credit reports and update you with a current FICO® Score 8 when we receive alerts for monitored credit report data changes. Updated FICO® Score 8 alerts, and alert triggers, timing and frequencies vary by credit bureau. Learn more about what credit data is monitored.

FICO® Score 8 analysis

See the top factors that affected your FICO Score 8 from each bureau with a detailed analysis. Plus, learn how your score factors compare with the common factors of FICO High Achievers — people with a 785+ FICO® Score 8.

FICO® Score 8 analysis
myFICO mobile app

myFICO mobile app

Top Rated. Customer approved.

Average customer rating as of 6/1/18: myFICO mobile app has 4.5 star ratings

Wherever you are or wherever you're going, feel secure knowing that your FICO® Scores (and much more) are just a click away.

At the bank speaking with a loan officer? Tap the app to review your Bankcard Score together. Talking interest rates with your mortgage broker? Access the app to help you negotiate a good rate.

  • Get phone alerts when credit report changes or identity threats are detected
  • Have "anywhere access" to your 3-bureau credit reports and scores
  • Stay protected with 24/7 access to your customized identity reports

Available for iPhone and Android phones, the myFICO mobile app requires a myFICO credit and identity monitoring subscription as well as access to a wireless network.

download on the app store badge get it on Google Play badge

Don't Fall Prey to Credit Errors or Identity Theft!
Monitor your identity and credit.

$29.95/month 1

Start monitoring now

1. Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.