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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: The mycreditplan.org is LIVE


TP2012 wrote:
Simple, I need to improve my credit score and want to know what I can do improve it. It's not just about knowing my ex fico score, it's about getting those scores up so I can get financed for the home my wife has her eye on. :smileyhappy: yes it would be great to get all 3 true fico scores on top of the plan of action , like they originally tried to do, but I'm excited to see what my score does when I put this plan into action. If you are already a credit expert and have a 770 + score , then sure I could see your point. But I am no expert nor do I have a prime score. So it's worth the small investment to give it a try.


I'm failing to see what that does that a few other sites don't already do.

 

Is it a personalized plan that they plot out for you?

How is it any different than a few score estimators out there?

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

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Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: New Credit Score Website

[ Edited ]

Bump.  Any recent news on this? Website looks to be advertising all 3 FICOs

 

Edit: Well, I take that back...kinda.  They're very vague, and they still have the letter from the CEO linked on the main page

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Moderator
Revelate
Posts: 8,335
Registered: ‎12-30-2011

Re: New Credit Score Website


Jutz wrote:

Bump.  Any recent news on this? Website looks to be advertising all 3 FICOs

 

Edit: Well, I take that back...kinda.  They're very vague, and they still have the letter from the CEO linked on the main page


Well some progress has been made, that's a substantially different product / pricing structure than they had previously.  I may wind up poking them again.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Contributor
brainysmurf
Posts: 89
Registered: ‎03-19-2011

Re: New Credit Score Website

Wow. I saw this and got way too excited about credit scores.

 

Then I went to the site. :smileysad: 

 

From what I can see this is worse than vaporware. I think it borders on predatory. 

Prices as of today:

1 'credit analysis update' 89.95 + 87.45 = 177.40

2 'credit analysis updates' 89.95 + 142.45 = 232.40

4 'credit analysis updates' 89.95 + 174.45 = 264.40

6 'credit analysis updates' 89.95 + 219.45 = 309.40

 

I realize that starting and running a business is expensive, but this is excessive. 

You also have to factor in the cost of the report you upload to them (not true for the '1 analysis plan' if using the federally mandated annualcreditreport.com)

Before considering this service I advise people to weigh the costs v benefits. I'll pass on paying someone $177 just to 'analyze' my credit report.

I wouldn't fault anyone for using it if it's worthwhile for them; just make an informed decision.

 

From March 18 2011 to July 25 2011 I went from a 633 to 760 EQ Fico, using only the wealth of information available on this forum.

EX / EQ / TU FICO
Start: ? / 633 / 621 March 2011
Current: 751 / 760 / 750 (PSECU, SW, QM)
My Wallet: Fidelity Amex 5k, NFCU CashRewards 10k,
SD: Barclays Apple 1.2k, Amex Zync NPSL, HomeDepot 1.2k
New Contributor
Movin_on_up
Posts: 52
Registered: ‎01-31-2012

Re: New Credit Score Website

Thanks for the info brainysmurf.  Looks pricey...

Starting score:
EQ FICO 702 (1/1/2012)

Current scores:
TU FICO 785 (12/28/2013)
EQ FICO 791 (12/28/2013)
EX FICO 791 (12/28/2013)
TU-08 FICO 776 (12/10/2013)

Wallet: Chase Freedom $12,600 - Discover More $12,600 - Walmart $1,000 - Capital One MC $500
Regular Contributor
ChuckG
Posts: 156
Registered: ‎02-21-2008

Re: New Credit Score Website

Has anyone used this site lately? Do they actually offer an EX fico score? The site isn't very clear on that.


Starting Score: 556
Current Score: 672, 681, 692
Goal Score: 700, 700, 700


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