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Revelate
Posts: 9,738
Registered: ‎12-30-2011
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Re: New Credit Score Website


JagerBombs89 wrote:

 

Ok so I decided to make an assumption... IF tracker pulls all 3 FICO scores then this would be considered  "1 credit pull."  Then "12 credit pulls" would pull all 3 FICO scores 12 different times. 

With pricing:  $24.95 per month or 12 months for $249.95 (only 10 payments) this is pretty reasonable. 

$274.90 for 12 Credit pulls w/ 3 FICOs = $274.90 for 36 pulls or $7.64 per FICO score / $22.92 for a tri-merge report.

 

This isn't exactly explained but if this is the case, then this is very well priced!


This was what I assumed as well looking at their products.

 

I wasn't going to go for the 12 pulls: I don't need that many, but I do need a few and knowing my EX report and score is important to me at least as pretty much all the prime lenders in my area pull it.  Of course all the caveats apply, even a EX FICO Risk 2 isn't necessarily the score a lender will use from Experian.

 

I don't think this is a worthwhile investment for everyone, if my credit were gold-plated than some monitoring service vis a vis USAA and to hell with the score would be more than sufficient (and I personally probably don't really need that anyway); however, for those of us trying to get a handle on certain breakpoints leading up to a mortgage, this new site really is exceptional.  It may not be as pretty as the reports that myfico prints out, but I'm just fine with an oldschool ASCII text report and a score even.  

 

I'll probably run the numbers more fully later, but I figure if I can get this new service for roughly $30-35 per tri-pull over roughly 3-4 pulls per year, I come out ahead... and that's even against just the $20 dollar report / score for EQ from here as I mostly discount TU as irrelevant in my situation until mortgage time.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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whodatnation2
Posts: 230
Registered: ‎11-30-2011
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Re: New Credit Score Website

I just noticed that on its website it says coming live on Feb. 13th.


Starting Score: EQ 564, TU 560
Current Score: EQ 724, TU 770, EX 789
Goal Score: 740


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guydiver
Posts: 578
Registered: ‎08-30-2007
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Re: New Credit Score Website


whodatnation2 wrote:

I just noticed that on its website it says coming live on Feb. 13th.


Yeah, looks like the site has come along a ways since I last looked at it a few weeks ago.  Still trying to figure out the pricing structure.  It looks like you have to pay a set-up fee for any of the plans, and that is separate from the plan(s) pricing, but appears to be divided into installments?  It is fairly pricey until you break it down, but WOW.....still can't hardly believe they are offering all 3 FICO scores.  It's been a long time since that has been available.  I can barely remember when it was available from MyFico way back when.  I was looking for the versions they will pull, but it doesn't seem to be there.  I think someone either posted it here or it was on the site, can't remember......but wasn't it EX v.2, TU04, and EQ Beacon?  Maybe someone" on here knows.  I'm going to be a charter member it looks like.  Another thing I can't quite figure out is if you get to see your full report or not.....some of the plans look like you only get to see the "score" only, and another only analyzes the score to tell you where you need to improve. 

 

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 760 all 3.

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 730ish, TU 748(Barclay), EX 738(CS) Goal Score: .....800 IS ON MY BUCKET LIST! New DCU Member! .:smileyvery-happy:
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 15K, Cabela's Siggy Visa 11.5K,Travelocity AEX 18.9K
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
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Re: New Credit Score Website

I'm following the site and see where it goes.



Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
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Re: New Credit Score Website

It's got my attention.

 

Why is it that myFICO cant get EX FICO scores but these guys apparently can??




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
jello77
Posts: 83
Registered: ‎08-02-2010
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Re: New Credit Score Website

On 2-4-2012, someone started another thread about this topic (mycreditplan.org) that already has 4 pages of posts.

 

The thread is in the General Credit Topics section of this board, and is called ALL 3 fico scores one site , Road to 850

 

Here is a link to the other thread:

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/ALL-3-fico-scores-one-site-Road-to-850-aka-myc...

 

Looks like we will have to follow both threads now.

 

 

EQ-04 FICO__804__(from DCU)__inquiries = 0
EQ-08 FICO__826__(from MyFICO)__inquiries = 0
EX-98 FICO__837__(from PSECU)__inquiries = 0
EX-08 FICO__813__(from MyFICO)__inquiries = 0
TU-08 FICO__820__(from MyFICO)__inquiries = 0
Oldest account 36 yrs / Newest account 2 years / Average age 12 yrs / Total accounts 10 / Accounts reporting balance = 2 / Util = 3%
Established Contributor
veracious
Posts: 680
Registered: ‎04-21-2010
0

Re: New Credit Score Website

Keep in mind, if your credit reports are frozen you can't use the service :smileysurprised:

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Established Contributor
guydiver
Posts: 578
Registered: ‎08-30-2007
0

Re: New Credit Score Website


LS2982 wrote:

It's got my attention.

 

Why is it that myFICO cant get EX FICO scores but these guys apparently can??


That is a very good question.  I finally cancelled my Quarterly monitoring service after all my baddies dropped from TU, didn't see the value in keeping up with a TU 98 score since my CU only uses EQ, and when I get ready for a new mortgage I will probably most likely get a TU04 pulled.  I keep my Scorewatch, but thinking about dropping it because I have to spend extra $ to get my report pulled.  I already use Truecredit to keep up with my TU report, and they give me all 3 pulls once a month....and yes the scores are useless, and a bit entertaining if nothing else. I think MyFico really needs to step up and get more competitive.  If someone else can get over the EX hurdle, more power to them.  I'm patiently awaiting the new site to come online.  I'll bet I'm not the only one by a long shot. 

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 760 all 3.

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 730ish, TU 748(Barclay), EX 738(CS) Goal Score: .....800 IS ON MY BUCKET LIST! New DCU Member! .:smileyvery-happy:
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 15K, Cabela's Siggy Visa 11.5K,Travelocity AEX 18.9K
Established Member
72
Posts: 10
Registered: ‎01-29-2012
0

Re: New Credit Score Website

Yep, I also had the same issue as to when I  hit the submit button nothing happens, I  guess Feb 13 will be the mad dash towards this site.

Valued Contributor
android01
Posts: 1,227
Registered: ‎09-22-2009
0

Re: New Credit Score Website

I wonder if the account I set up in BETA testing mode will still be active.  I haven't been able to log in since....

EQ FICO - EQ08 - 850 -10/22/14
TU FICO - TU08 - 850 - 10/22/14
EX FICO - EX08 - 850 - 10/22/14

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