FICO scores

[Anonymous]

when purchasing your scores on MYFICO.com which package do most of you buy to monitor every month or quarterly--I see the prices range from inexpensive to quite expensive for just one pull--

thanks for any feedback provided.....

[My_dog_FICO]

LEGZ,

  I did the SW just for the alerts, but that appears to be a complete waste of money.  I also did the product that gives you all three with FICOs.  I like that, but it's too expensive to do more than every sixth month.

  I've heard that TU has a good product that lets you pull all 3 CRs daily, but with FAKOs.  If you're in cleanup mode, I'd use that, and then use SW once you're in maintenance/play mode.

[Anonymous]

I use creditkeeper.  You can only get 1 report a month but their alerts are timely and they also send a paper copy USPS.  These are FAKO scores but worth the $9.99/month to be able to monitor and run scenarios (their sim is very detailed)

[My_dog_FICO]

Scalet,   Which CRA do they report?

[Anonymous]

3-in-1 merge once a month.  The sim uses the EX report.  They score each bureau (PLUS FAKO Scores)

[Anonymous]

I hate Fakos.

When are they going to make a product that only gives Ficos on a monthly basis and access to call three reports?

[MidnightVoice]

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TheCynicalOne wrote:

I hate Fakos.

When are they going to make a product that only gives Ficos on a monthly basis and access to call three reports?

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They do - here.  It is just very expensive to do it 

[Anonymous]

ok I use creditkeeper and I am enrolled with privacy matters--however they are FAKOS and I wanted to purchase the real deal every now and then but just wasnt sure when to do so and how often thanks guys!!! not to mention the outrageous cost

[Anonymous]

For true FICO scores, and to know exactly where I stand with TRUE FICO scores, I use the FICO complete,where you get all 3 CR's + scores.

You are correct. They are expensive. With the discount I paid $32.85 early this month. I cant' afford weekly or even monthly pulls. But I can justify quarterly, or semi-annual pulling of those.

For day in and day out monitoring, I'm currently using Experian's Triple Advantage. I can pull my CR as often as I wish, WITH scores, but they are not FICO, they are FAKO. Since I signed up in early Oct. I pull my EXP cr at least 3 times per week.

I'm not entirely satisfied with it, so at some point when I get off my behind, I'll do something about it and switch.

I would love to be able to pull all 3 CR's with FICO scores, monthly w/o it costing an arm and a leg, but so far, I've not found it, meaning it prolly don't exist.

[Anonymous]

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Sylviatob wrote:

I would love to be able to pull all 3 CR's with FICO scores, monthly w/o it costing an arm and a leg, but so far, I've not found it, meaning it prolly don't exist.

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That's too bad.

Wouldn't mind paying 50/month if I had access to daily pulls of reports and scores...all for one low price.

too much to ask for