Credit Check Total

[Anonymous]

I guess they only change when something triggers a change but I've seen increases on back to back days.

[Anonymous]

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@darwin_wins wrote:

CCT is good for most people, you get access to EX score everyday and TU & EQ every 30 days. If all you need FICO scores it works out. You can definitely rely on CreditKarma for TU & EQ reports. I personally don't know of any site that provides EX report like CK. CreditSesame used in the past and I believe Credit.com used to provide it too. 

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Credit.com. Not as detailed as CK, but most of the info you need. As is the case with CK, the scores are useless.

[Revelate]

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@Anonymous wrote:

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@darwin_wins wrote:

CCT is good for most people, you get access to EX score everyday and TU & EQ every 30 days. If all you need FICO scores it works out. You can definitely rely on CreditKarma for TU & EQ reports. I personally don't know of any site that provides EX report like CK. CreditSesame used in the past and I believe Credit.com used to provide it too. 

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Credit.com. Not as detailed as CK, but most of the info you need. As is the case with CK, the scores are useless.

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Why is everyone suddenly bashing VantageScore?  The credit.com Experian educational-score which they use for their main score is useless, but the additional Vantage 3.0 they provide is anything but.

Not useless, some day I can nearly guaruntee you too will get something underwritten with it if you haven't already (they don't have to tell you in many instances and only have to give you one of the scores pulled not all).

[Anonymous]

Oh yeah, I forgot they also offer Vantage 3.0. It's less useless than most.

[EdMan63]

I use Credit Check Total as well. I have been for several months. I tried myFico but cancelled because Experian scores do not update. My Experian score has improved 80 pts since I signed up 2/16/16. MyFico still has not updated. Plus I like that you get 3 scores once a month instead of every 3 months. The scores were the exact same on both sites so CCT is definitely Fico 8 scores. Your billing amount will always say $29.95 but you will only be billed the $14.95. 

[Anonymous]

quick one, if you sign up today, would the monthly pull cycle on this date too? or can it be changed? 

[Thomas_Thumb]

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@Revelate wrote:

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@Anonymous wrote:

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@darwin_wins wrote:

CCT is good for most people, you get access to EX score everyday and TU & EQ every 30 days. If all you need FICO scores it works out. You can definitely rely on CreditKarma for TU & EQ reports. I personally don't know of any site that provides EX report like CK. CreditSesame used in the past and I believe Credit.com used to provide it too. 

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Credit.com. Not as detailed as CK, but most of the info you need. As is the case with CK, the scores are useless.

---

Why is everyone suddenly bashing VantageScore?  The credit.com Experian educational-score which they use for their main score is useless, but the additional Vantage 3.0 they provide is anything but.

Not useless, some day I can nearly guaruntee you too will get something underwritten with it if you haven't already (they don't have to tell you in many instances and only have to give you one of the scores pulled not all).

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I call it the risky shift (the one thing I remember from High School psychology)- you reach a critical mass of negativity and it catches fire. Really, not unlike when protests turn into mob violence. Such passionate hatred toward a credit score is somewhat baffling. It is a free tool that can help one identify differences in their credit files and then take action as appropriate - no more, no less

Unfortunately, anti VantageScore appears to have become entrenched within MyFICO.

[elim]

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@Revelate wrote:

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@Anonymous wrote:

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@darwin_wins wrote:

CCT is good for most people, you get access to EX score everyday and TU & EQ every 30 days. If all you need FICO scores it works out. You can definitely rely on CreditKarma for TU & EQ reports. I personally don't know of any site that provides EX report like CK. CreditSesame used in the past and I believe Credit.com used to provide it too. 

---

Credit.com. Not as detailed as CK, but most of the info you need. As is the case with CK, the scores are useless.

---

Why is everyone suddenly bashing VantageScore?  The credit.com Experian educational-score which they use for their main score is useless, but the additional Vantage 3.0 they provide is anything but.

Not useless, some day I can nearly guaruntee you too will get something underwritten with it if you haven't already (they don't have to tell you in many instances and only have to give you one of the scores pulled not all).

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   +1

     My Credit Union pulls TU V3 for membership and all non-mortgage products.  I hope Vantage gives Fair Isaac a run for it's money as some competition can't hurt.  

[elim]

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@Anonymous wrote:

I made the decision today to cancel my subscription here at myFICO and signed up for CreditCheck Total since they also offer FICO scores and I would have access to a weekly credit report rather than quarterly.

I'm just wondering if anyone has had any experiece with CCT. Are the scores actual FICO scores as advertised?

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  As far as CCT....

  I just app'd for a Citi card and CCT let me know there was activity before the approval screen.  Email also beat the Citi email.

 

  My last myFICO app alert (last month) came 3 1/2 days after the fact. CCT, CK, and CS were all prompt. 

[tricie17]

I have both.  CUT is definitely awesome, with MyFICO you can pull the full picture because of other score versions.  It is definitely worth spending the money on both.