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updates QUARTERLY....does this mean you get CR every three months? Just curious as comparing to the regular 3B package...any ideas?
Yes, you get a report quarterly. I just signed back up and went with ultimate.
@damnedanddetermined wrote:
updates QUARTERLY....does this mean you get CR every three months? Just curious as comparing to the regular 3B package...any ideas?
In addition to 3-bureau credit monitoring and FICO Score 8 updates, FICO Ultimate 3B gives you access to a new 3-bureau credit report and the 19 most widely used FICO Score versions every quarter (about every 3 months).
@damnedanddetermined wrote:updates QUARTERLY....does this mean you get CR every three months? Just curious as comparing to the regular 3B package...any ideas?
You get the 19 FICO scores and 3 bureau reports quarterly. Monitoring updates take place as trigger activity causes updates.
The FICO Score 3B Report provides the above one time without monitoring.
Hmmm... didn't know there was yet another 3B edition. I'm still on the old $21.95 plan.
I guess when my year is up in September, I'll decide how to proceed. Sometimes the score alerts can be nerve wracking.
Keep both your credit and your body in top shape!
I just upgraded to ultimate 3b as well. If you originally subscribed to the ultimate plan you will need to call My Fico and have them cancel the original in order to upgrade. They will prorate your account for any unused days at the time you upgrade. Same price but new reports every three months.
Couldn't you jsut sign up and then cancel at the end of your month? And then sign back up again in a few days or week?
I just realized that I am only getting 6 fico scores from the ultimate and not the 19 as promised and paid for. Whats is worse, it is missing fico 4 which Freddie and Fannie use and matters most for mortgages. From my research, Fico 8 is primarily used by major credit card companies and some major auto companies.
Either your bank rep is not telling you the truth or he/she is not as knowledgable as they claim. It is in Freddie and Fannies rules as to which scoring they will accept and fico 4 is the one. Which is Ver outdated and they know it. There has been a lot of press and consumer groups trying to convince them to upgrade for many years and as of now they refuse.
Any bank who plans to have their loans backed by Freddie or Fannie (which is 90 percent plus) must follow their rules.Fico knows this to be a fact because they have been trying as well to get the to upgrade to a new model for years. So for them showing fico 8 and any others as primarily used for mortgages is completely FALSE.
I just learned this and feel TOTAlLY cheated by myfico and wonder how much I can trust them now. Especially when I was promised 19 scoring models and only got 6, I plan to call them tomorrow about this.