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CreditCheckTotal

Valued Contributor

Re: CreditCheckTotal

I like what I am seeing with CreditCheck Total so far.  For $15/month, in my opinion it seems to be a very reasonable deal for daily Ex score and report updates, with EQ and TU being three times a month. I am trying to get in the habit of doing the three updates on roughly the 1st, 10th and 20th of each month, give or take a day or two.  

 

I am still trying to figure out a couple of things in regard to CCT, such as whether or not unused updates carry over the following month.  

 

I am a BIG fan of MyFICO, however it seems like this may put a bit of pressure on MyFICO to provide more than one 3B report a year.  

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Dec 2017: EX8: 736; EQ8: 736; TU8: 747; EQ04: 734 FICO 9 Scores about 50 points higher
In My Wallet: Discover $63.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $209.8K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 41 of 1,049
Valued Contributor

Re: CreditCheckTotal

Thanks for the info!  Will definitely try it out!  Much cheaper than what I do now!  Smiley Very Happy


FICOS: EQ-812 TU-811 EX-818 Goal - 840-850 Across The Board
Total Credit Lines - 506K Gardening....
"I am the master of my fate and the captain of my destiny" Nelson Mandela
Message 42 of 1,049
Valued Contributor

Re: CreditCheckTotal


Sandibeach22 wrote:

Thanks for the info!  Will definitely try it out!  Much cheaper than what I do now!  Smiley Very Happy


Remember the cancel trick for the $14.97 price. Can't beat it. However, I have to admit, when myFICO cancelled out the other day, I did miss it so tossed it back in for another month and used one of my SD cards I hadn't used for a few months. It will at least show some activity on the card (Barclay Ring). I really do hope myFICO gets more competitive.


EQ: 820 || TU: 815 || EX: 812 (From CCT: 7/20/17) || Garden since 8/10/17. CapOne Quicksilver $22k || Home Depot $16k || Lowes $16k || DiscoverIT $21.5k || BofA Rewards $15k || Barclay Ring $10k || BJ's Perks $10.5k || PSECU $9k || Chase Freedom $7k || AMEX BCE $17.1k || USBank Cash+ $12K || Citi DC $8K || FNBO Sheetz $6K || PSECU Founders $5K || PayPal Credit $4K ||
Message 43 of 1,049
Frequent Contributor

Re: CreditCheckTotal

I just cancelled experian and they told me about CCT. I'm going to give it a shot when I get home later. I was going to sign up for myfico 3B but this is looking like a better deal.
Experian FICO 671 | Transunion FICO 656 | Equifax FICO 656
Message 44 of 1,049
Regular Contributor

Re: CreditCheckTotal

Is my myfico the only site who provies the mortgage scores?

 

Thanks

Message 45 of 1,049
Moderator

Re: CreditCheckTotal


nate79416 wrote:

Is my myfico the only site who provies the mortgage scores?

 

Thanks


http://ficoforums.myfico.com/t5/Mortgage-Loans/FICO-scores-used-for-mortgage-and-where-to-obtain-the...

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 46 of 1,049
New Visitor

Re: CreditCheckTotal

CCT does allow daily check-ins however I can see my fico score went up 12 points but if I want to see all of the scores I have to pay 39.95 even though I just paid my monthly 29.95
Message 47 of 1,049
Frequent Contributor

Re: CreditCheckTotal

Well, I just got hit with the gotcha!!!

I'm not saying its too good to be true, but be careful with your pulls the first month.

Here's my timeline:

Signed up 6/14 for 7 day trial.

Account says you will be charged $29.95 on 6/24

At day 7 (6/21) the site said I could 3B pull again, so I did as I had a some changes report around the 15th.

I called on 6/21 and was retained at the $14.47 rate, the customer service rep said my subscription would start on 6/24.

On 6/23 the 3B pull was available and I again 3B pulled as I had acitivity on the 22nd before my new subscription started.

Thinking my subscription started on the 24 and having activity on 26,27 (one bureau a day behind another) I 3B pulled today knowing I will have no activity until the 15th.

That would give me two more pulls one around the 15th and one month end next month.

And now the site says I can't make 3 pulls again for 23 days.

A call to customer service reveals that any pulls made after the initial pull count towards the 3 3B pulls you get in the first month.

 

Still a great price for the service, but be aware that any 3B pulls made after the initial 3B pull count towards your 3 3B pulls per month.

 

Message 48 of 1,049
Valued Contributor

Re: CreditCheckTotal

I just finished a call with a rep that had me pulling my hair out. Smiley Happy Hopefully it is just a case of a new or uninformed rep. I was trying to find out specifically when the clock would reset for 3 pulls to be available each month. She could not answer - just saying "there is no way to know for sure". She gave that identical answer a few times. We had a bit of a communication barrier, so perhaps she was not understanding my question, however I could not get an answer as to when the three pull clock resets, or how we know it has reset. Argh....

I did ask about about the status of any unused pulls. She said that we do lose them, they do not carryover to the following cycle.
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Dec 2017: EX8: 736; EQ8: 736; TU8: 747; EQ04: 734 FICO 9 Scores about 50 points higher
In My Wallet: Discover $63.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $209.8K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 49 of 1,049
Regular Contributor

Re: CreditCheckTotal

Hey guys sorry if this is a dumb question but when you say the offer $14 for 2 years is that upfront that you have to pay? Or are you still paying month to month but the rate is locked in for 2 years?

 

Thank you

FICO 8 Scores as of 02/05/2017:
EQ 632 | TU 643 | EX 644
Open Revolving Credit lines and Limits:
Discover IT $1,000 | Walmart Store Card $3,500 | Amazon Prime Store Card $3,000 | BuyPower Card $500 | Credit One $1,050 | Cap1 QS1 $1,100 | Cap1 Platinum Secured $501 | Amex Everyday $1,000 | Amex Gold NPSL | HSN $1,800 | Overstock $1,550 | Kohls $700 | FingerHut $2,150
Message 50 of 1,049