Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 2,016
Registered: ‎06-01-2008
0

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...
April 2017: EX8: 730; EQ8: 735; TU8: 740; EQ04: 729 FICO 9 Scores about 50 points higher
In My Wallet: Discover $60.2K; Cap1 Venture $30.7K; Amex ED $38K; Amex Optima $12.5K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $185.5K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Valued Contributor
Posts: 4,493
Registered: ‎11-28-2014
0

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
Valued Contributor
Posts: 1,568
Registered: ‎04-24-2015
0

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: 825 || TU: 818 || EX: 812 (From CCT: 4/2/17) || Garden since 1/11/17. CapOne Quicksilver $22k || Home Depot $16k || Lowes $16k || DiscoverIT $21.5k || Barclay Ring $10k || BJ's Perks $10.5k || PSECU $9k || Chase Freedom $7k || AMEX BCE $17.1k || USBank Cash+ $7.5k || Citi DC $8K || FNBO Sheetz $6K || PSECU Founders $5K || PayPal Credit $4K ||
Frequent Contributor
Posts: 283
Registered: ‎03-16-2015
0

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
Regular Contributor
Posts: 227
Registered: ‎05-06-2010
0

Re: CreditCheckTotal

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

 

Thanks

Moderator
Posts: 16,584
Registered: ‎12-30-2011
0

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 5 693, EX 2 719, EQ 8 732, TU 8 732, EX 8 728 (2/01/17)
Goal Score:    EQ 5 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
New Visitor
Posts: 3
Registered: ‎06-28-2015
0

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
Regular Contributor
Posts: 240
Registered: ‎04-16-2015
0

Re: CreditCheckTotal

[ Edited ]

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.

 

Valued Contributor
Posts: 2,016
Registered: ‎06-01-2008
0

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...
April 2017: EX8: 730; EQ8: 735; TU8: 740; EQ04: 729 FICO 9 Scores about 50 points higher
In My Wallet: Discover $60.2K; Cap1 Venture $30.7K; Amex ED $38K; Amex Optima $12.5K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $185.5K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Regular Contributor
Posts: 133
Registered: ‎10-25-2009
0

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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.