Credit Complete®

FICO Credit Complete is your complete credit picture - All three credit scores and reports from TransUnion, Experian, and Equifax.

Two options for instant online access:

Annual purchase - $42.84 per year
(automatic repurchase; 1 payment of $42.84 per year)

One-time purchase - $47.85

Features:

All 3 FICO® scores from the three national credit bureaus*

3 FICO® Scores

Your FICO® scores from TransUnion, Experian, and Equifax credit bureaus. Each comes with a full explanation of the score and how lenders view you. Also includes actions you can take to get your FICO® scores into the higher ranges. Scores constitute a snapshot and are generally not considered accurate or valid for more than 30 days from the date of purchase.

All 3 Credit reports from the three national credit bureaus*

3 Credit Reports

One credit report from each bureau - TransUnion, Experian, and Equifax. Each credit report is a detailed snapshot of credit cards and loans opened in your name, companies accessing your credit file, delinquent payments and more. Because of the changing nature of the information contained within, credit reports are generally not considered accurate or valid for more than 30 days from the date of purchase. They are therefore not accessible online after that point.

FICO® Score Simulator

FICO® Score Simulator

This simulator analyzes your personal credit information and answers questions such as, "What happens to my FICO® score if I pay off a credit card or open a new account?" (Available for TransUnion and Equifax reports only.)

*About FICO® scores and credit reports
FICO® scores are the credit scores most lenders use to determine your credit risk. You have three FICO® scores, one for each of the three credit bureaus - Experian, TransUnion, and Equifax. Each FICO® score is based on the information that each credit bureau keeps on file about you. As the information in each of your credit reports change, your credit scores tend to change as well. When you purchase your FICO® scores and credit reports from myFICO, you are getting a snapshot that is accurate at the time of your purchase. However, it's important to note that as the information in your credit reports changes, your FICO® scores can also change. That's why we recommend checking all three of your FICO® scores and credit reports regularly - at least once a year.

Details:

FICO® credit scores

  • Includes one FICO® score from each national credit bureau - TransUnion, Experian, and Equifax
  • Includes an explanation of factors affecting each of your three FICO® scores

Credit Reports

Each of the three credit reports lists your:

  • Credit accounts, including all credit cards, auto loans, student loans, and mortgages in your name, with information about:
    • Creditor and account number
    • Balance
    • Date opened
    • Payment history
    • Current status, such as "OK", "Closed by customer", "30 days late payment", etc.
  • Inquiries: recent applications for new credit
  • Collections: when a collection agency is seeking you to repay a debt
  • Public Records: court judgments such as a bankruptcy, foreclosure, or tax lien

FICO® Score Tools

  • The FICO® Score Simulator shows how your FICO® score from TransUnion or Equifax can change when you:
    • Pay your bills on time for many months
    • Miss a payment
    • Pay down your debt balances right away or every month
    • "Max out" your credit cards
    • Get a new mortgage
    • Get a new auto loan
    • Get a new credit card
    • Get instant credit at a department store
    • Apply for a new credit card and transfer balances to it
    • Declare bankruptcy

Other

  • Printable version available
  • Accessible from either PC or Macintosh with an Internet connection and with Internet Explorer 5.0 or better, or Netscape 6.2 or better
  • FICO® scores and credit reports are viewable for 30 days from the date of purchase

The difference between annual purchase and one-time purchase

Annual purchase provides a no-hassle means of receiving your FICO® scores and credit reports on an ongoing basis by automatically renewing your purchase every year**. With annual purchase you will never have to remind yourself to check your credit scores again - plus, you save $5 off the one-time price.

NOTE: FICO® scores and credit reports provided with this product are viewable for 30 days from the date of purchase. Be sure to print or save your scores and reports for your records within that timeframe.

Why you need all 3 of your FICO® scores

Each of your three credit reports may be different

Credit bureaus don't share their data with each other. Each of the three national bureaus may have different data on you - and you won't know it until you check.

Each of your three FICO® scores may be different

You have a FICO® score from each credit bureau. Since your credit reports may be different, your FICO® scores can also be different, sometimes by as much as 100 points.

Lenders may look at all three of your FICO® scores

Many lenders, especially mortgage lenders, look at all three of your FICO® scores to determine whether to grant credit - for everything from a car loan to a home loan to a credit card to a cell phone. Even if a lender looks at just one FICO® score, you often won’t know which one. Don't be surprised at the last minute when applying for credit.

You need to protect against ID Theft

Your first sign of a stolen identity may come from the information in each of your credit reports, including lines of credit that you did not open and home addresses that are not yours. You need to regularly look at all three credit reports and FICO® scores to rest assured that your credit and your identity are safe.

FICO® Credit Complete

Annual purchase - $42.84 per year
(automatic repurchase; 1 payment of $42.84 per year)

One-time purchase - $47.85


**We will automatically charge your credit card one year from the date of your original purchase. The amount charged will be the annual purchase price in effect at the time of renewal. You will be notified of the upcoming charge by email 14 days prior to your renewal date. You may cancel at any time prior to the renewal date.