FAQ

Credit monitoring tracks your credit report and alerts you to key changes like new accounts, inquiries, or shifts in your credit score. It helps you stay informed, detect fraud early, and understand how your financial habits may affect your credit. With MyScoreIQ, you get powerful tools and alerts that make it easier to protect your identity, build stronger credit, and stay in control of your financial future.  

Learn More About Credit Monitoring.

Identity theft occurs when someone uses your personal information, such as your Social Security number, credit card, or other financial details, without your permission to commit fraud. It matters for your credit score because this kind of unauthorized activity can lead to new accounts opened in your name, higher balances, missed payments, or credit inquiries made without your consent. All of these actions can damage important parts of your credit profile, including payment history and credit utilization.  

Learn More About Common Forms Of Identity Theft.

A “good” FICO® Score typically falls between 670 and 739. Scores from 740 to 799 are considered “very good,” and 800 or above is “exceptional.” The FICO® Score scale ranges from 300 to 850, with higher scores showing stronger credit health.

With MyScoreIQ, you can access your actual FICO® Scores from the three major credit bureaus.

Here’s how it works:

• Sign up or log in to your MyScoreIQ account and enroll in your preferred plan.

• View your FICO® Scores and credit reports.

• Receive monitoring alerts when we detect any changes, new accounts, or suspicious activity to help you stay on top of your credit health.

Improving your FICO® Score takes time and consistent good habits. MyScoreIQ recommends:

• Making all payments on time.

• Keeping your credit utilization low.

• Maintaining older accounts to build credit history.

• Avoiding too many new credit applications in a short period.

• Reviewing your credit reports regularly and disputing any errors.

You can also use the FICO® Score Simulator tool available in your MyScoreIQ member portal to see how different financial actions—like paying down debt or opening a new account—could impact your score.

At MyScoreIQ, we believe everyone deserves access to their FICO® Scores as well as reliable credit monitoring and identity protection. That is why we work hard to keep our plans affordable, so more people can stay informed and protected. MyScoreIQ services start at $9.99 per month, giving you powerful tools to help you build your financial future.

Get Started: See Our Plans And Pricing.