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Announcing new FAQs - UPDATED 9/26/14!
We’ve noticed a lot of questions surrounding a few specific features in our 3-bureau monitoring products—FICO 3-Bureau Credit Monitoring and FICO Identity Ultimate. Because of this, your admins have put together a series of FAQS that you can reference at any time. It’s now a sticky thread in the Product Feedback board. Please take the time to check these out. We’ve tried to be detailed, transparent and clear in hopes of alleviating product confusion.

In addition, we’d like to clarify a concern with our alerts. Credit Monitoring takes up to 72 hours to be fully activated, so if credit activity takes place within three days of your enrollment, you may not receive a credit alert. It’s also important to note that each bureau has different thresholds that trigger alerts and there are slight variations to the credit file items monitored. Because of this, you will not receive identical alerts for each bureau. In most cases, you will receive more alerts based on your Equifax credit data than the others. We hope that you’ll take a few weeks to get to know the product.

We will continue to monitor this board for questions and concerns, post updates to the FAQs as new information becomes available, as well as improve our products as technology allows, but we hope these FAQS will help answer your questions about how the products work.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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