myFICO provides various types of Credit Monitoring services such as Score Watch, Suze Orman's FICO Kit Platinum, FICO Credit Complete, FICO Standard and FICO Quarterly Monitoring. Individual FICO® provides standard scores and credit reports from experian, equifax or transUnion. It includes an explanation of the positive and negative factors affecting score, plus access to the FICO® score simulator, which shows how actions like paying off an existing account or opening new accounts may affect their D1823 FICO® scores.