{"citations":{"source_mix":{"company_owned":99,"independent":52,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":119,"partial":34},"total_sources":153,"unique_domain_count":57},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Credit Monitoring Services With FICO Scores","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Genuine FICO Score Access","subject":"myFICO","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"myFICO","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Genuine FICO Score Access","subject":"Experian","unit":"rank","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Experian","unit":"platforms","value":7},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-03","platform_support":["deepseek","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Genuine FICO Score Access","subject":"Bank of America","unit":"rank","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-03","platform_support":["deepseek","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Bank of America","unit":"platforms","value":3},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"Genuine FICO Score Access","subject":"Equifax","unit":"rank","value":4},{"claim_id":"claim-009","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Equifax","unit":"platforms","value":2},{"claim_id":"claim-010","confidence":"verified","observed_at":"2026-09-03","platform_support":["deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Genuine FICO Score Access","subject":"American Express CreditSecure","unit":"rank","value":5},{"claim_id":"claim-011","confidence":"verified","observed_at":"2026-09-03","platform_support":["deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"American Express CreditSecure","unit":"platforms","value":2},{"claim_id":"claim-012","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","openai"],"predicate":"final_consensus_rank","qualifier":"Genuine FICO Score Access","subject":"Discover","unit":"rank","value":6},{"claim_id":"claim-013","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Discover","unit":"platforms","value":2},{"claim_id":"claim-014","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"Genuine FICO Score Access","subject":"TransUnion","unit":"rank","value":7},{"claim_id":"claim-015","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"TransUnion","unit":"platforms","value":2},{"claim_id":"claim-016","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","grok"],"predicate":"final_consensus_rank","qualifier":"Genuine FICO Score Access","subject":"Capital One CreditWise","unit":"rank","value":8},{"claim_id":"claim-017","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","grok"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Capital One CreditWise","unit":"platforms","value":2},{"claim_id":"claim-018","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","deepseek"],"predicate":"final_consensus_rank","qualifier":"Genuine FICO Score Access","subject":"Credit Karma (Note: VantageScore, not FICO)","unit":"rank","value":9},{"claim_id":"claim-019","confidence":"verified","observed_at":"2026-09-03","platform_support":["anthropic","deepseek"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Credit Karma (Note: VantageScore, not FICO)","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.8571428571428572,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"myFICO","platform_mentions":7,"platform_share":1},{"average_rank":3.5714285714285716,"best_rank":1,"entity_id":"entity-002","entity_type":"company","final_rank":2,"name":"Experian","platform_mentions":7,"platform_share":1},{"average_rank":6.333333333333333,"best_rank":3,"entity_id":"entity-003","entity_type":"company","final_rank":3,"name":"Bank of America","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":4,"best_rank":2,"entity_id":"entity-004","entity_type":"company","final_rank":4,"name":"Equifax","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":4,"best_rank":4,"entity_id":"entity-005","entity_type":"company","final_rank":5,"name":"American Express CreditSecure","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":4,"best_rank":4,"entity_id":"entity-006","entity_type":"company","final_rank":6,"name":"Discover","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":5,"best_rank":3,"entity_id":"entity-007","entity_type":"company","final_rank":7,"name":"TransUnion","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":5,"best_rank":5,"entity_id":"entity-008","entity_type":"company","final_rank":8,"name":"Capital One CreditWise","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":8,"best_rank":8,"entity_id":"entity-009","entity_type":"company","final_rank":9,"name":"Credit Karma (Note: VantageScore, not FICO)","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-monitoring-scores/fico-score-access.json","page_url":"https://creditconsensusindex.com/credit-monitoring-scores/fico-score-access","report_type":"best_of_index","study_id":"CCI-STUDY-0300233728C9","title":"Best Credit Monitoring Services With FICO Scores"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, deepseek, grok, perplexity, kimi, google. The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a completed review.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each fit review are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Credit Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-03 12:16:03.911268+00","research_date":"2026-09-03","source_snapshot_sha256":"6c9019012c243bca93da3a23c6d48cf9969e44e36f5e00a8129a3f4a45818892","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":16,"qualified_finalists":9,"ranking_unit":"Credit monitoring service and subscription plan"},"schema_version":4,"summary":"myFICO is the consensus leader for consumers who specifically want genuine FICO Scores with clear score-model and bureau disclosure. All seven AI platforms studied named myFICO during the ranking stage, giving it a 100% platform mention rate, an average listed rank of 1.86, and a best rank of 1. The strongest alternatives depend on buyer needs: Experian offers a free FICO Score 8 from Experian data, Bank of America provides a free FICO Score 8 to eligible credit-card customers, and American Express CreditSecure delivers three-bureau FICO Score 8 access to Amex cardholders. This study…","target_buyer":"Consumers who specifically want genuine FICO Scores, clear score-model and bureau disclosure, and ongoing credit monitoring","topic":{"base_category":"Credit monitoring & scores","category_criteria":["FICO Score availability","FICO model and version transparency","bureau coverage","score update frequency","monitoring alert quality","credit report access","pricing transparency"],"geography":"United States","slug":"best-credit-monitoring-services-with-fico-scores","title":"Best Credit Monitoring Services With FICO Scores","use_case":"Genuine FICO Score Access"}}