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Established Contributor
dharalex
Posts: 606
Registered: ‎09-08-2011

Re: Road to 850 aka mycreditplan.org

You know, that seems most plausible. I'm not an it person, so I really don't understand. But I did try to sign up yest, and I got all the way to final confirmation, and it said I wasn't authorized to start yet, check back on the 13 th! Ha!


Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
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Established Contributor
guydiver
Posts: 532
Registered: ‎08-30-2007

Re: Road to 850 aka mycreditplan.org


dharalex wrote:
You know, that seems most plausible. I'm not an it person, so I really don't understand. But I did try to sign up yest, and I got all the way to final confirmation, and it said I wasn't authorized to start yet, check back on the 13 th! Ha!
Yeah, I tried to sign up also. I filled out the joint applicant page,, but when I hit submit nothing happened.  Tried  it twice with the same results.  Then later that evening I tried the site again and kept getting the GoDaddy site.

 

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MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009

Do I need a mortgage for higher scores?

[ Edited ]

Hi Rikki_Doxx,

 

I've moved your post. Just follow the link to get to it.

 

MarineVietVet, myFICO moderator

 

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Established Contributor
dharalex
Posts: 606
Registered: ‎09-08-2011

Re: Road to 850 aka mycreditplan.org

It's baaaaaack! Despite you naysayers, I'm signing up Mon before I go to work! I know I won't be the only one!


Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
Goal Score: 760


Take the FICO Fitness Challenge







Current Score: 800
Goal Score: 850

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Established Contributor
guydiver
Posts: 532
Registered: ‎08-30-2007

Re: Road to 850 aka mycreditplan.org


dharalex wrote:
It's baaaaaack! Despite you naysayers, I'm signing up Mon before I go to work! I know I won't be the only one!

:smileyvery-happy:

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 800,800,800!

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .:smileyvery-happy:
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 10K, Cabela's Siggy Visa 9.1K, Travelocity AMEX 12.5K :
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Regular Contributor
MontegoMack
Posts: 165
Registered: ‎01-21-2012

Re: Road to 850 aka mycreditplan.org

Can someone explain the difference between a "tri-merge" and a non tri-merge report? 

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Regular Contributor
Trigga
Posts: 199
Registered: ‎12-14-2011

Re: Road to 850 aka mycreditplan.org

Im gonna wait before i sign up to read some feedback from people on this site , im also stuck with SW on here for another 2 months , so maybe ill sign up after then :smileywink:

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Valued Contributor
Repo-ed
Posts: 2,603
Registered: ‎02-09-2012

Re: Road to 850 aka mycreditplan.org

I'll wait on pulling the ^^^^ Trigga, so that I can read some feedback.


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Established Contributor
ztnjpv
Posts: 601
Registered: ‎02-01-2012

Re: Road to 850 aka mycreditplan.org

[ Edited ]

"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. "

 

----------------------------------------------------------------------------------------

 

That is actually a very important question! Anyone know the truth? The site divulges nothing about this little detail. If I am paying 34.95 per month for the top program (PLANNER) with 12 pulls, I am not so sure I'd like the idea of using three pulls to get all three scores. I instantly thought that 12 pulls meant 12 Three-Score pulls. And there's also nothing about pricing for extra pulls beyond the paid amount. 

 

If each pull is for one report from only one bureau, that means you can really only get a three-score report every quarter. I don't like that. BTW, it doesn't spell it out for us but I am assuming you get alerts to any score changes. 


Starting Scores (Sept 2011): All lower-mid 600s. CURRENTLY: TU FICO: 785 (2/7/13), EQ FICO 792 (6/10/13), EX FICO 787 (6/1/13) (PSECU). Goal: Achieved! Now Maintain!
Valued Contributor
JM-AM
Posts: 3,303
Registered: ‎06-09-2010

Re: Road to 850 aka mycreditplan.org


ztnjpv wrote:

"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. "

 

----------------------------------------------------------------------------------------

 

That is actually a very important question! Anyone know the truth? The site divulges nothing about this little detail. If I am paying 34.95 per month for the top program (PLANNER) with 12 pulls, I am not so sure I'd like the idea of using three pulls to get all three scores. I instantly thought that 12 pulls meant 12 Three-Score pulls. And there's also nothing about pricing for extra pulls beyond the paid amount. 

 

If each pull is for one report from only one bureau, that means you can really only get a three-score report every quarter. I don't like that. BTW, it doesn't spell it out for us but I am assuming you get alerts to any score changes. 


Since they are using a Tri-Merge Report, each time you pull your report you will have all 3 scores, 1 from each credit bureau. So if you opt for the 12 pulls that would give you a total of 36 scores in total. 

 

If I remember correctly they will only keep track of your last 12 scores pulled which IMO would only be the last 4 Tri-Merge reports you have pulled.

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