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Personal Finance

MyScoreIQ Review

Updated Mar 09, 2022   |   5 mins read

Key Points:

  • Credit score monitoring & ID theft protection
  • FICO® Scores
  • Costs ranging from $9.99 to $34.99
  • Up to $1 million in stolen funds coverage*

Your credit score is one of the most valuable pieces of financial information to know. It determines what loans and credit cards you can qualify for and the interest rates that you pay when you borrow money.

Tracking your credit reports and making sure that your score is accurate is essential. MyScoreIQ services offer credit report monitoring so you have regular access to your FICO® Scores and can be prepared when going to a lender.

In this review:

MyScoreIQ plans

MyScoreIQ offers four different plans. Each provides an extra level of protection at an additional cost.

Monthly cost$9.99$14.99$24.99$34.99
Credit reports and FICO® Scores1 bureau annually3 bureau annually3 bureau bi-annually3 bureau monthly
FICO® Score Tracker and simulatorNoNoNoYes
Daily credit and dark web monitoring1 bureau1 bureau3 bureau3 bureau
Social Security number alertsYesYesYesYes
Checking account reportYesYesYesYes
Change of address monitoringNoYesYesYes
Alert of crimes committed in your nameNoNoYesYes
Stolen funds reimbursement*YesYesYesYes
Lawyer, expert, and personal expense coverageYesYesYesYes
Family protection*YesNoNoNo
Lost wallet assistanceYesYesYesYes

Secure Plan

The Secure Plan is the MyScoreIQ basic plan. It offers an annual look at your credit report from one credit bureau and daily monitoring of your credit report from that bureau. You’ll get an alert of any changes to your report.

The plan reimburses you for up to $1 million if funds are stolen from identity theft.* These funds cover lawyer and expert costs and personal expenses incurred as part of recovering from identity theft.

The plan costs $9.99 per month and is best for people who want basic credit monitoring.

To visit MyScoreIQ services and learn more, click here.

Plus Plan

The Plus Plan is one step up from the Secure Plan. It includes all of the Secure Plan features but gives you your credit report from all three credit bureaus once per year instead of limiting you to just one bureau.

The Plus Plan also includes change of address monitoring, in case a fraudster tries to change the address on some of your accounts.

The Plus Plan costs $14.99 per month and is suitable for people who want to track their scores with all the major credit bureaus.

To visit MyScoreIQ services and learn more, click here.

Pro Plan

The Pro Plan ups the frequency for getting credit reports, letting you get your report from all three bureaus twice per year. You’ll receive daily monitoring from all three bureaus too.

It also adds monitoring services for crimes committed in your name so you can help make sure that you don’t wind up with a criminal record that does not belong to you.

This plan costs $24.99 per month and is designed for people who want to know their FICO® Scores as well as keep their credit and background clear.

To visit MyScoreIQ services and learn more, click here.

Max Plan

The Max Plan includes everything that MyScoreIQ services offer. You can get a copy of your credit report from all three major bureaus each month, and the company will monitor each report for you daily.

On top of the previous plans’ protections, the Max Plan includes a FICO® Score Tracker and simulator. It also comes with $25,000 in protection for family members in your household and premium fraud restoration services.*

The Max Plan costs $34.99 per month. It is designed for people who want the value of their FICO® Scores and to keep themselves fully protected against identity theft and fraud.

To visit MyScoreIQ services and learn more, click here.

Pros & cons of MyScoreIQ services


  • Multiple levels of service. Choose the level of service that you want to find a price that works for you.
  • Daily credit monitoring. Get alerts when there are changes on your monitored credit reports, making it easy to help catch identity theft as soon as it happens.
  • $1 million in coverage. Get $1 million in coverage for funds stolen from your bank accounts and reimbursement for legal fees related to identity theft.*


  • Free alternatives. There are plenty of credit monitoring services that don’t charge their users, though they might not have many features or offer FICO® Scores.
  • No mobile app. These days, most credit monitoring services have an app that lets you track your reports. While MyScoreIQ service’s website is mobile-friendly, it only works through web browsers.

How to create a MyScoreIQ account

Signing up for a MyScoreIQ plan is pretty simple. You’ll need to have some basic information, like your Social Security number and driver’s license on hand to get started.

To sign up for an account:

  1. Go to the MyScoreIQ website and click Enroll Now
  2. Provide your name, address, and phone number
  3. Provide your e-mail address and create a password
  4. Choose the plan that you want and provide your credit card information
  5. Verify your identity by providing your Social Security number and other ID information
  6. You may have to answer some questions about previous addresses or loan accounts you’ve had

Once you’ve finished the process, you’re ready to start using MyScoreIQ services.

Where to find alternatives to MyScoreIQ services

The MyScoreIQ product is one of many credit monitoring services out there. If you want to use a credit monitoring service but aren’t sure that MyScoreIQ services are right for you, take the time to consider the alternatives.

Our guides to the best identity theft protection companies and the best credit monitoring services are a good place to start.

Additionally, you can check out the following reviews of companies that offer similar services:

To learn more about MyScoreIQ services, check out its website.

Monthly Cost


Stolen Funds Reimbursement

$1 million*

Alerts & Monitoring


*Underwritten by AIG. Terms and conditions apply.