01-26-2012 11:26 PM - edited 01-26-2012 11:27 PM
If you don't mind let us know how the site is when you register
Absolutely I'll do that.
I'm just signing up for their credit pull service though, I don't really need their score analyzer and other things as I can do my own math with the knowledge I have; also, frankly I'm nowhere close to being ready to play the optimization of FICO game with my current reports. More than anything I just need to pay on my tradelines and see about goodwilling a few derogatory marks.
Where I do find value in it, is I need to have some barometer of where my scores are, sporadically over the next 18-30 months in my run up to a theoretical FHA mortgage; however, in between that I need to switch my auto-insurance (has to be done in June no choice there) and refinance my auto-loan a few months later than that... and have plans to apply for one of two things before the end of the year too (Amex zync for future backdating as an example).
I was mostly going to predicate everything off my EQ score from DCU, but in my case living in S. Cali, the ever-elusive EX score would be enormously helpful in my building journey depending where I draw the line in the sand for a mortgage app. I'm spending a lot more than the cost of this service in my path towards credit righteousness (like my subprime autoloan at 19%), and as such it is utterly inconsequential in comparison: it's annual charge is less than what I'm accuring in interest each month on my car loan.
01-27-2012 09:12 AM
I was one of the folks that pulled reports during their BETA testing phase. I tried logging in today and it didn't recognize me. So, I tried to sign up again and wnhen I hit submit, it erased the passwords I entered when I hit submit. I tried this a couple times and couldn't get it to work. I don't think this site is ready for prime time yet.
01-27-2012 01:21 PM
...So, I tried to sign up again and wnhen I hit submit, it erased the passwords I entered when I hit submit. I tried this a couple times and couldn't get it to work. I don't think this site is ready for prime time yet.
I tried as well the other day as this service would compliment my usaa one well. I had the same issues you did.
01-27-2012 05:09 PM - edited 01-27-2012 05:20 PM
Well, I was excited when I read the first post and looked at the website... until I looked further.
#1, There is NO contact info on the website. That for me is a HUGE red flag, no matter what type of website it is, but especially with a credit website like this.
#2, There is NO mention of the set-up fee until you get to the check-out screen. Personally, I think that's a little shady. If I hadn't read about it here, I would have been shocked to see it there. I think it should be have been mentioned elsewhere *before* you check out.
#3, When I clicked "PLANS & PRICING" in the upper right corner, I got an error message:
01-27-2012 05:17 PM
I absolutely agree, their pricing scheme is very confusing and needs to be explained MUCH better. They do have analysis tools supposedly but so does USAA CMS. I am also in agreement that it IS overpriced for what you get. I'll keep my USAA CMS, get my alerts anytime something changes and I'll settle for FAKO scores since I can see my overall CR from all 3 CRA's and what is on them. This gives me a pretty good idea of where I stand.
Let's hope that myFICO comes up with a competing service soon. Competion is the best thing for pricing
01-27-2012 05:40 PM
All excellent points! I have the same services as you, and I agree that it's enough for now. Plus, if I want to know my EX score, I can just get denied for another Amex with no HP (since I'm an existing customer).
But seriously, this is what I want to know!!! Perfect use of emoticon here, btw.#6, The $64,000 question... If this company can buy and re-sell EX FICO, then why can't myfico.com?????
01-27-2012 06:33 PM
01-27-2012 06:50 PM
#6, The $64,000 question... If this company can buy and re-sell EX FICO, then why can't myfico.com?????
Presumably for the same reason why T-Mobile "can't" buy and re-sell IPhones. Distributor won't sell to them.
01-27-2012 09:13 PM
Well that's unfortunate because this new website, while incredibly tempting, has to make several changes before I'm inclined to trust them.