{"citations":{"source_mix":{"company_owned":13,"independent":6,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":13,"partial":6},"total_sources":19,"unique_domain_count":9},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Credit Monitoring Services With All Three Credit Bureaus","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Three-Bureau Credit Monitoring","subject":"myFICO","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-04","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":"2026-09-04","platform_support":["anthropic","deepseek","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"myFICO","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-04","platform_support":["openai","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"myFICO","unit":"platforms","value":3}],"consensus_findings":["Three-Bureau Coverage Was Unanimous","FICO Score Access Was the Primary Differentiator","Pricing Was Consistently Reported","Update Frequency Was a Known Trade-Off","Identity Theft Insurance Was Included"],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","disagreements":["Plan Naming Was Inconsistent","Pricing for Premier Was Conflicting","Alert Speed Was Not Verified","Fit Ratings Varied Slightly"],"entities":[{"average_rank":3.2857142857142856,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"myFICO","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-monitoring-scores/three-bureau-credit-monitoring/myfico.json","page_url":"https://creditconsensusindex.com/credit-monitoring-scores/three-bureau-credit-monitoring/myfico","report_type":"fit_review","study_id":"CCI-STUDY-4D6EBFF92C4C","title":"myFICO for Credit Monitoring Services With All Three Credit Bureaus Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation."],"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":"2026-09-04 06:10:09.656561+00","research_date":"2026-09-04","source_snapshot_sha256":"898227f69d10bb82c8b086fdf7036182390d23842f0e08f268d12cb0b42234f1","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Credit monitoring service and subscription plan"},"schema_version":4,"summary":"myFICO is a good-to-strong fit for consumers who want paid monitoring across Equifax, Experian, and TransUnion with access to actual FICO scores rather than generic educational scores. All 7 AI platforms that participated in the ranking stage named myFICO, giving it a 100% platform share with an average listed rank of 3.29 and a best rank of 1. The strongest reason to consider myFICO is its access to lender-used FICO score versions across all three bureaus, which no platform disputed. The main limitation is cost: platforms consistently cited $29.95–$39.95 per month pricing, with the lower…","target_buyer":"Consumers who want ongoing monitoring across Equifax, Experian, and TransUnion rather than single-bureau coverage","topic":{"base_category":"Credit monitoring & scores","category_criteria":["Equifax","Experian","and TransUnion coverage","alert speed","credit report detail","score availability","update frequency","pricing transparency","customer support"],"geography":"United States","slug":"best-credit-monitoring-services-with-all-three-credit-bureaus","title":"Best Credit Monitoring Services With All Three Credit Bureaus","use_case":"Three-Bureau Credit Monitoring"}}