the myfico® products and subscription offerings are available online at www.myfico.com. consumers can use the myfico.com website to purchase their fico® scores, including credit reports associated with the scores, explanations of the factors affecting their scores, and customized information on how to manage their scores. we make available the 28 most widely used versions of the fico® score from the three major u.s. credit bureaus through our myfico® service, representing approximately 95% of all fico® scores sold and used by lenders. customers can use products to simulate how taking specific actions could affect their fico® score 8. consumers can also subscribe to monitoring services, which deliver alerts via email and text when changes to a user’s fico® scores or other credit report content are detected. in addition, consumers can purchase identity theft monitoring products that alert consumers of potential risks of identity fraud with comprehensive detection and identity restoration services.