MyScoreIQ is a credit monitoring and identity theft protection service designed to help consumers stay on top of their credit scores and “actively monitor for changes in their credit report with the benefit of identity theft protection.”

MyScoreIQ offers four different affordable service plans:

The Secure plan — Credit reports and FICO® Scores for one bureau, annually.
The Plus plan — Credit reports and FICO® Scores for three bureaus, annually.
The Pro plan — Credit reports and FICO® Scores for three bureaus, bi-annually.
The Max plan — Credit reports and FICO® Scores for three bureaus, monthly.

In terms of credit monitoring, MyScoreIQ services offer up to three-bureau credit reports and FICO® Scores, a FICO® Score tracker tool, and a FICO® Score simulator tool.

The company also provides daily credit report monitoring, a user-friendly dashboard, and a variety of identity theft monitoring services with each plan option. Additionally, MyScoreIQ services have a 100 percent U.S.-based customer service support team.

Although MyScoreIQ services seem to be newer to the credit monitoring and identity theft protection industries, the company is a part of the company IDIQ® that has been offering industry-leading credit report and identity theft monitoring services for more than a decade.

Read on to learn more about MyScoreIQ credit monitoring services.

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The Good

Credit Monitoring Services
FICO® Score Analysis Tools
Customer Service and Online Articles

Credit Monitoring Services

As previously mentioned, MyScoreIQ services offer four different affordable plan options that customers can choose from. These plans include the following credit monitoring services:

Secure Plan — This plan costs $9.99 per month and includes credit reports and FICO® Scores from one credit bureau on an annual basis. Customers also receive daily credit monitoring services for one credit bureau with this plan, in addition to several identity theft monitoring and protection services.
Plus Plan — This plan costs $14.99 per month and includes credit reports and FICO® Scores for three credit bureaus on an annual basis. Like the Secure plan, customers will receive daily monitoring for one credit bureau along with other identity theft monitoring and protection services.
Pro Plan — This plan costs $24.99 per month and includes credit reports and FICO® Scores for three credit bureaus on a bi-annual basis. This plan also comes with daily credit monitoring for three bureaus in addition to several identity theft protection and monitoring services.
Max Plan — This plan costs $34.99 per month and is the most expensive plan that MyScoreIQ services offer. With this plan, customers can receive monthly credit reports and FICO® Scores for all three major credit bureaus as well as access to FICO® Score tracker and simulator tools. Like the Pro plan, customers will also receive daily credit report monitoring for all three bureaus along with identity theft protection and monitoring services.

According to the company’s website, customers can choose to cancel services at any time.

FICO® Score Analysis Tools

Those who sign up for the MyScoreIQ Max plan option will receive access to an online FICO® Score tracker and FICO® Score simulator tool.

These tools, especially the FICO® Score simulator tool, can help customers create a plan for their financial future. According to the company’s website, customers can use these tools to “view current scores and potential changes depending on possible payment events or other actions.”

Potential customers should note that they can only receive access to this score simulator and tracker if they sign up for the company’s Max plan option.

Customer Service and Online Articles

Unlike many other companies in the industry, MyScoreIQ services provide customers with 100 percent U.S.-based customer support service.

In addition to the company’s customer service, MyScoreIQ services also have helpful online articles on its main website that customers can access to learn more about cybersecurity, FICO® Scores, identity theft, and more.

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The Bad

No Free Trial Service
No Mobile App

No Free Trial Service

Unlike many other companies in the credit monitoring industry, MyScoreIQ services do not appear to provide any sort of free trial service.

Those who wish to try out the company’s credit monitoring services must create an account and make monthly payments. As mentioned above, customers can cancel services with MyScoreIQ at any time.

No Mobile App

MyScoreIQ does not currently have a mobile app that customers can use to check their accounts or receive service updates.

Although the company does not provide a mobile app right now, the company may create one in the future. In the meantime, customers do have access to a user-friendly dashboard that provides them with everything they need in one place.

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The Bottom Line

MyScoreIQ services offer credit monitoring services along with identity theft protection services.

The company is a BBB-accredited business and offers four service plan options that customers can choose from: the Secure plan, the Plus plan, the Pro plan, and the Max plan. The plans range from $9.99 per month to $34.99 per month and include credit reports and FICO® Scores from up to three credit bureaus.

In addition to three-bureau credit reports and FICO® Scores, the company offers daily credit report monitoring services and gives those who sign up for the Max plan access to FICO® Score analysis tools, including the FICO® Score tracker and the FICO® Score simulator. Customers can use these tools to keep track of their scores and to plan for their financial futures.

Along with credit monitoring services, the company also offers 100 percent U.S.-based customer service and support and provides a helpful online IQ Center that customers can access to learn more about cybersecurity, identity theft, FICO® Scores, and more. The company also features a variety of identity monitoring services, identity theft protection insurance, and fraud restoration services.

While the company does not provide a free trial service, discounts for services might be available. And, while the service does not currently offer a mobile app, the MyScoreIQ user-friendly dashboard provides customers with everything they need in one, convenient place.

Those who are interested in MyScoreIQ services can visit the company’s main website, contact the company directly, and read customer reviews to learn more about what the company has to offer in terms of credit monitoring services.

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User Reviews

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1.5

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28 Reviews

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Denise Latterman Oceanside, CA

I really like using myscoreiq. My membership gives me my monthly FICO score which has been a great tool to use since I'm in the market to buy a house. I also love the identity protection they offer. I signed up for a Charles Schwab account and got an alert within minutes! I definitely recommend this service to anyone who wants to stay on top of their credit!

2 years ago

Reply from MyScoreIQ

Hi Denise, and thank you so much for leaving us a review! We are glad to hear MyScoreIQ services helped you during your home buying journey.

Sep. 7th, 2022

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Jessica Simental Temecula, CA

The dollar trial was great, I got to see my scores and reports from all 3 bureaus for just a buck. It showed a detailed credit report with creditor names and contact numbers it also shows public records and previous employers

2 years ago

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Apryl4ever Smith Cleveland, OH

Had been calling for days left on hold tio hear that piano music. Was told after being given a very close in line number that they were having technical difficulties and call back in 10 minutes. I have called for days not getting any Answere conveniently my subscription expired. Yesterday and was billed 24.99. I was so fed up and upset I left a angry voicemail and told them I believed they were scammmers because they weren’t letting me cancel my membership.They called me back. Finally my subscription was canceled but not before they charged me for a month I am not using or have access to.Do not use this site.Making it almost impossible to cancel your subscription and giving a number that you never answere the phone says a lot about your company. The only way you can survive is by stealing peoples money.

1 year ago

Reply from MyScoreIQ

Thank you for taking the time to leave us a review. We apologize for the inconvenience you experienced while trying to cancel your membership. We take your feedback seriously and we will look into this on our end.

Jul. 24th, 2023

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Zach Mackinder Harpers Ferry, WV

Alright so i only used them because it was mandatory for the buisness loan because they wouldnt take a credit report from any other site for some reason, should have been a red flag, the replies will say you can cancel on the website however this is false, it says on their own site under contact us and cancellation that "f for any reason you are not satisfied, you can cancel at any time to discontinue your monitoring membership. Cancellation must be made by calling our Customer Service department." and their customer service department will not pick up, ive been trying to get it canceled for 2 months now and they have stolen 70 dollars from me, now soon to be 104.97, i might be forced to change my card soon.

1 year ago

Reply from MyScoreIQ

Thank you for your review, Zach. We're very sorry to hear you had trouble contacting us. We have 100% U.S.-based customer service specialists available to assist you six days a week. Our hours are 7:00AM CST to 7:00PM CST Monday-Friday, and 8:30AM CST to 5:00PM CST on Saturday. If you still need assistance, please call us at (800) 637-5590 so we can make it right.

Jun. 6th, 2023

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candy calton San Antonio, TX

yall are some freaking crooks and i am filing a report with the bbb, cfpb, and anyone else I can contact. you all purposely make it impossible to cancel these accounts and you all are impossible to reach over the phone. you all have charged my freaking card 3 times in two days!!! are you freaking serious. i am calling my bank! you all are a vicious predatory company and you all should be a shame of yourselves. if all these reviews are saying the same thing why the hell haven’t you fixed your website so if we want to cancel our account we are able to do so??? no you make it to where we have to call you. I have been on hold for 3 hours!!! and have been attempting to reach your company since April! your company is terrible and i can not express that enough. PREDATORY COMPANY!!!!

1 year ago

Reply from MyScoreIQ

Thank you for leaving us your feedback, Candy. We apologize for the inconvenience you've experienced. Members have two predominant methods to cancel their services. This can be done by calling our member support department during business hours or where available, clicking the cancel button from the member website. Our Customer Care Center is reaching out to assist. Our team is committed to resolving any outstanding issues and ensuring your satisfaction.

Jun. 2nd, 2023

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Kalen McDonough, GA

I cannot get anyone on the phone to cancel my subscription and have been calling consistently for the past 2-3 hours. There needs to be an option online to cancel your subscription while logged into your account, I do not trust this company. I can’t get anyone on the phone and when I call—the line is automatically disconnected. It’s as if someone picks up and hangs up. So you lose your place in the queue and the process repeats all over again. I’d urge everyone to place a complaint with Better Business Bureau. I also noticed there is no business address listed on the website not phone number. The only reason I found the number to call is because of the complaints on this site. And it’s shown on my transaction details with them as a merchant. I am very disappointed with my service.

1 year ago

Reply from MyScoreIQ

Thank you for your review, Kalen. We are sorry to hear you had trouble contacting us! Our phone number is listed at the bottom of our website. Members have two predominant methods to cancel their services. This can be done by calling our member support department during business hours or where available, clicking the cancel button from the member website.

May. 12th, 2023

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Gary Collins

All of the negative reviews are accurate that you read on this platform!!! Horrible customer service!! Tried five times to reach them on the 800 # and got a separate recorded message when you get closer to them answering in the que to speak to a representative that states: "we are experiencing technical diffulties.....". This was on two different days of trying to contact them. They play too many games!! I usual do my due diligence and read reviews and use other methods to validate the company, however, this time I didn't. Save the headache and sign up with another company!! They will go out of business eventually.... BTW, they use the same format on their website as Identity IQ and are similar in name, go figure?! If you encounter the same issue, call your financial institution, explain the issue and ask for a stop payment to be issued on this business against future deductions.

1 year ago

Reply from MyScoreIQ

Thank you for leaving us a review, Gary. We are sorry to hear you had trouble contacting us. If you still need assistance, please give us a call at (800) 637-5590. If we are busy with other calls, you can leave us a voicemail and our team will get back to you as soon as we can. We appreciate your feedback.

May. 10th, 2023

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B Dunc Hudson, WI

Terrible policies. If I cancel I expect my service to be terminated at the end of the month. They shut off service immediately. I wanted to just cancel my wife's policy but after finding out about this policy and other inconveniences the purposefully put in the way of cancellations, I canceled my account as well. Unfortunately, as stated above, after jumping through some hoops to get there, I was able to get my policy canceled. They canceled my policy immediately even though there was almost a full month of service left that was already paid for. They said I could call back before the end of my policy but that's just another hoop I didn't want to jump through. Don't trust this company at all. They don't offer refunds even if your services paid for are terminated early because of their archaic systems that are so obviously designed around difficulty in cancellation.

1 year ago

Reply from MyScoreIQ

Thank you for your review. We apologize for your experience. Please give us a call so we can make it right.

Mar. 1st, 2023

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J Beaverton, OR

This company has the WORST cancellation dark pattern I've ever encountered. If you sign up for this expect it to be a complete headache to cancel your service. You CANNOT cancel online, forcing you to call in (which is extremely inconvenient for any person working non-traditional hours) and when you do call in they throw you through this awful salesman ringer loop for like ten minutes trying to get you to keep your service or downgrade to a slightly cheaper plan. Just get your credit reports free or choose a different website. This is horrible and not acceptable in 2023. It should be one big button that says "CANCEL" and you click on it and you cancel. If a rep responds to this and says you can cancel from your profile page that is UNTRUE for me at least, which is completely unnecessary as I pay with a credit card for an online service, it's literally just like Netflix but for some reason you have to call in. What's next? You want me to fax my social security number?

1 year ago

Reply from MyScoreIQ

Hi J, thank you for sharing your feedback with us. We apologize for your experience. Members have two predominant methods to cancel their services. This can be done by calling our member support department during business hours or where available, clicking the cancel button from the member website. Please give our Customer Service a call so we can make it right.

Jan. 23rd, 2023

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Thomas Belmont, NC

Suspicious practices. When you get access to the contact, there’s really nothing I saw that you couldn’t get anywhere else for free. The portal is archaic at best, and the contact center is below par. I signed up for a seven day trial on December 27. I tried to cancel it online, but - again - being an archaic, limited portal, you can’t do it online. You actually have to call. They took four days off for New Year’s day. FOUR DAYS! I called every day, and their IVR quoted normal operating hours then stated their closed for the holiday prior to disconnecting. Apparently, they train their agents to try to get away without refunding even when it’s the right thing to do. Once you ask for a supervisor, you might get what they call a courtesy refund. This is after arguing that I had every opportunity to cancel. That the IVR states the hours of operation. They said I was supposed to have called me yesterday in order to have canceled. Today was their first day back after four days off. Someone clever, but not quite clever enough. Do Not Take the chance. There are other companies that are far more technically equipped and others with competent contact center infrastructure.

2 years ago

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bradley hoffman

I called to cancel subscription after using it a few months. I just had a payment come out of my account so a majority of the month I paid for was still unused. Upon canceling, they immediately shut down my account and told me I'm just SOL on the money I paid and would not receive the rest of the month that I already paid for, nor are they sending me a partial refund. Then they had the balls to try and sell me another cheaper product. Why would I want to give a company like this any more of my money. SCAM!!! DON'T DO IT!!! STAY AWAY!!!

1 year ago

Reply from MyScoreIQ

Thank you for sharing your feedback with us, Bradley. We apologize for your experience. We appreciate you for giving MyScoreIQ services a try. Please give us a call at (800) 637-5590 so we can make it right.

Apr. 26th, 2023

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Matthew Petronis Brooklyn, NY

Ive' tried calling their number numerous times to cancel. I have Called for weeks and I've yet to reach a human. I'm calling during business hours and no one is available. It's also a blatant lie that you can cancel through the member portal. The member portal tells you to call the bogus number on the website. I'm going to take legal action if nothing is done soon because I've made numerous attempts to cancel and cancellation has still not happened. I highly recommend NOT using My Credit Score IQ

1 year ago

Reply from MyScoreIQ

Thank you for your review, Matthew. We apologize for your experience. Members have two predominant methods to cancel their services. This can be done by calling our member support department during business hours or where available, clicking the cancel button from the member website. If you still need assistance, please give us a call at 800-637-5590 so we can make it right.

Mar. 2nd, 2023

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Roxana Valverde

I purchased the membership because a mortgage broker recommended it for a loan I was doing, I left it for a couple months and then when I wanted to cancel, the people on the phone trick you into believing you cancelled, but they keep charging you, even though I asked several times if my service was succesfully cancelled and I did not want to call again. They trick to charge you at least one more month, so be very clear that you do not want to continue with the service AT ALL. Don't even pay attention to what they say and always answer NO, or they will get you for another month.

1 year ago

Reply from MyScoreIQ

Thank you for your review, Roxana. We apologize for your experience. If you called to cancel previously, we will have record of that call log. Please give us a call at 800-637-5590 so we can make it right.

Feb. 14th, 2023

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Cornelius Rice

Right now I'm giving their service a chance.

3 months ago

Reply from MyScoreIQ

Thank you for your review, Cornelius!

Jul. 25th, 2024

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User Hastings, NE

Wish I could give zero stars. Like everyone else, I did the free trial not knowing I had to call to cancel. Been trying to call several times just sitting on hold. $25/month and my scores haven't been updated in 3 months since I originally created my account. STAY AWAY! I don't know how to get out of this subscription now.

1 year ago

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Donna and Ally Emeryville, CA

Scammers scammed me through MyScroeIq no notifications nothing. A scammer said to get this account I thought the company was legit and I have experience Identity theft ever since. They won't allow me to cancel the account the scammers have access to. All of these companies and agencies are useless. Forced to take care of this my way

1 year ago

Reply from MyScoreIQ

We are very sorry to hear about your experience. We do work with third parties that offer our services, so you might have signed up through a third party. If a third-party partner is not transparent when offering our services, that is a violation of our partner agreement. We take that very seriously and will investigate. Please give our 100% U.S.-based Customer Care Center a call at (800) 637-5590 so we can assist.

Sep. 11th, 2023

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Andrew Haskell Houston, TX

Do not use this service. They offer a free trial period, but in order to cancel you have to call them. They do not have an option to cancel online, but they will lie in their replies and say they do. It's quite easy to prove they are lying. They will not answer phone calls. I let my phone sit on hold for hours and all I got was piano music.

1 year ago

Reply from MyScoreIQ

We apologize for the inconvenience you experienced. We understand your frustration. Members have two predominant methods to cancel their services. This can be done by calling our member support department during business hours or where available, clicking the cancel button from the member website.

We have 100% U.S.-based customer service specialists available to assist you six days a week. Our hours are 7:00AM CST to 7:00PM CST Monday-Friday, and 8:30AM CST to 5:00PM CST on Saturday. Please give us a call at (800) 637-5590 so we can make it right.

Jun. 27th, 2023

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Ross S. Rigby, ID

Never recieved any emails, no confirmation of purchase, nothing! But they sure know how to take money out of my account! To the tune of $25.⁰⁰ A WEEK! What a scam! THE ONLY THEY DID WELL? help me cancel my service, they are practiced in that exercise!

1 year ago

Reply from MyScoreIQ

Thank you for your review, Ross. We apologize for your experience. When members enroll in a plan, a welcome email is automatically sent out. Please contact our Customer Care Center at (800) 637-5590 so we can resolve this matter for you.

Jun. 6th, 2023

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Mrs. Emmett Patana Portland, TN

Terrible customer service. Will not call you back for days. You can’t cancel online. They never answer the phone to cancel. You just lose your money. It’s in their policy. They cannot refund you even if your services are not used.

1 year ago

Reply from MyScoreIQ

Thank you for your review. We apologize for your feedback. Members have two predominant methods to cancel their services. This can be done by calling our member support department during business hours or where available, clicking the cancel button from the member website. If you still need assistance, please give us a call at 800-637-5590 so we can make it right.

May. 3rd, 2023

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Kaiser Sosae Baltimore, MD

Do not use this company. They offer a 7 day trial for $1 but you get nothing they say you get. Once you login, they want you to pay for everything they said was free in the trial. Then you have to call them to cancel and their employees do not want to help you cancel.

3 years ago

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Milica Obradovic-Gajic

SCAM! SCAM! SCAM! I never signed up for their services! And it seems I can never unsubscribe!

3 months ago

Reply from MyScoreIQ

Thank you for your review, Milica. Please give our Customer Care Center a call at (800) 637-5590 so we can assist.

Jul. 25th, 2024

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Jessica Wiggins

These people will Steal your credit card info and not refund They are charging 3 different cards I never gave them at all some way they have my info if you call to dispute they as of they don't know

1 month ago

Reply from MyScoreIQ

Hello Jessica, we have a record of your call on Oct. 2, 2024, where you mentioned you worked with a third party to sign up for our services. We also have a record of your account being active and in use. While we cancelled your services and addressed your requests, you also confused our services with another service you signed up for that is not related to our services. We advised you to call that service if you no longer wish to continue with those services. If you need further assistance regarding your MyScoreIQ account, please contact our Customer Care Team at (800) 637-5590.

Oct. 11th, 2024

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Christopher Patrick Leesburg, VA

Information is good, cancelling the service takes an act of Congress. Absolutely terrible. They don't want to make it easy, you really gotta put in time/work to get out of the subscription.

1 year ago

Reply from MyScoreIQ

Thank you for your review, Christopher. We apologize for any difficulties you encountered while trying to cancel your plan. We value your feedback.

May. 17th, 2023

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Debra Lyles Beltsville, MD

To much money for such limited services. I don't recall being given a choice of plans, I just know I am now signed up for the max plan at $34.95 and can't cancel online.

1 year ago

Reply from MyScoreIQ

Thank you for your review. We apologize for your experience. Members have two predominant methods to cancel their services. This can be done by calling our member support department during business hours or where available, clicking the cancel button from the member website. Please give us a call at (800) 637-5590 so we can assist.

Dec. 28th, 2022

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Sergio Kuik Philadelphia, PA

Stay away! They ignore your emails confirming to cancel the account when they send you email communications to start.

3 years ago

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Alice Milliron Columbus, OH

I was charged for something. I've never been to this site before

3 years ago

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Z St Louis, MO

Good luck trying to get in touch with them. It's a scam

1 year ago

Reply from MyScoreIQ

Thank you for your review. We have 100% U.S.-based customer service specialists available to assist you six days a week. Our hours are 7:00AM CST to 7:00PM CST Monday-Friday, and 8:30AM CST to 5:00PM CST on Saturday. Please give us a call so we can assist.

Jan. 31st, 2023

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Clark moffett Goodlettsville, TN

They will take yo money and WILL NOT provide a refund

2 years ago