08-20-2012 01:36 PM
08-20-2012 05:43 PM
We have it on ours, and it's $5.99 a month. That service, and the capital one card in general, are about to die.
09-01-2012 05:59 AM
I received my enrollment package in the mail. It includes some information about the service, a login ID for the website, and a credit report and score. The report is Experian and the score is provided by CreditXpert. The booklet states that the report and score will be updated and mailed out every 90 days. By registering at creditinform.com the user can receive monthly report and score updates.
10-29-2012 06:35 PM - edited 10-29-2012 06:35 PM
I love the service. Its free. I get a monthly updated score and a breakdown of what is helping and hurting my score. I have a secured card from Capital One since June 2012.
10-29-2012 06:48 PM - edited 10-29-2012 08:25 PM
It's only free for secured card holders. Other members (unsecured card holders) would have to pay $8.99 a month for service. Not worth it for a quarterly FAKO score. You can get your FAKO score (all 3) every 30 days from DIscover for $9.99 a month. A much better deal IMO.
10-29-2012 07:15 PM
I love the service and my friend has it free with secured card as well. Her creditor and lender pulled for a mortgage Experian score was the same. Yes it states on there website that it is NOT a FICO score but since I know people personally that showed me it matches there true fico score. I am going to use the free service. Someone suggested I pay for a FAKO. No I get my Transunion and Equifax FICO score from myFICO score. I have creditsesame free which is also a FAKO score and the score is close to my Credinform score. And will continue to monitor my Experian report through Creditors until it is close to my goal and allow a mortgage lender to pull it and see my true FICO score. I still find the service very help as it gives me a free credit report monthly and they sent me the score and report for me to have a physical copy.
02-11-2013 12:25 PM
I juist canceld my subscription to "mycreditinform" because the scores they were reporting did not match the scores creditors were using to determine credit worthiness. Also, the report on 60 minutes shows this whole industry is a mess and there is no inexpensive way to fix errors on your credit report. I agree that the issue of identity theft is certainly worth viligence and the credit report is an important tool but based on my experience (and confirmed by the 60 min report) there is no way to fix what happens when your identity is stolen.
02-11-2013 01:29 PM
CreditInform ( the free version ) gives you a monthly look at the accounts being reported. Score is not FICO, so only useful from a relative point of view..
One very odd thing. For 2 months, you get a monthly report at beginning of month which is up to date. Then on 3rd month, you get a quarterly only on the 15th or so, which shows what was reported on the 1st of the month. Definitely not a service I would pay for..
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.