The myFICO app provides access to FICO credit scores, credit reports, and monitoring services. It offers insights into factors affecting your scores, alerts for significant changes, and tips on improving or maintaining credit health. The app also includes identity theft protection features and a simulator to predict how financial decisions may impact your credit score.

The myFICO app is free to download, but accessing its full features requires a subscription. Various plans are available, offering different levels of access to credit scores, reports, ongoing monitoring, and identity theft protection. Prices vary depending on the chosen plan, so users should review each plan to find the best fit for their needs.

Security is a top priority for the myFICO app. It uses advanced encryption technologies to safeguard personal and financial data. The app complies with industry standards for data protection and allows users to enable two-factor authentication for added security when accessing their accounts.

Checking your credit score through the myFICO app does not negatively impact your score. It performs a 'soft inquiry,' which differs from a 'hard inquiry' made by lenders when applying for credit. Soft inquiries do not affect your credit score and are not visible to lenders.

Yes, the app offers real-time credit monitoring. Users get alerts for critical changes such as new accounts, inquiries, or modifications to account status. This helps users stay informed about their credit health and take prompt action if suspicious activity is detected, ensuring continuous updates on their credit status.