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First, sorry I didn't really know what topic to place this under. I'm currently using a different site for my fico's and I'm aware MYFICO is the best source and only true source of Fico. My questions is tho, how many times are you able to pull your report each month? Everyday, once a month, etc? With tthe current site I use I pay my monthly subscription and it gives me my experian fico and report daily, but I only get EQ and Trans once a month. If I want to view EQ or Trans more than once a month I have to pay for it. Is MYFICO similar? I'm definitely switching to Myfico but just wanted a little info about it. Thanks everyone!
MyFico will update your FICO scores generally as they update because of changes to your report, but it only gives you the full reports once a year. You can use eliminateidtheft.com to check your reports once a day. I have heard USAA also allows daily pulls.
Thank You for your response. Are you able to pull your reports more than the allocated "once per year" for a one time payment?
@Anonymous wrote:Thank You for your response. Are you able to pull your reports more than the allocated "once per year" for a one time payment?
On myfico, yes you can, but it is a little expensive. Click on "compare our products" at the top of the myfico page.
@Anonymous wrote:I'm currently using a different site for my fico's and I'm aware MYFICO is the best source and only true source of Fico.
That is incorrect. There are other sources for FICO's. You even state that you currently use one and as long as you ensure that you're comparing apples to apples with the specific FICO model you're getting you'd get the same score using the same data whether you got it from your current provider or myFICO. I'm just not aware of any that offer FICO's for all 3 CRA's.
Keep in mind, however, that there isn't just one FICO model used by creditors so don't assume all FICO's to be the same. See also http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/bd-p/ficoscoring and its stickies.
@Anonymous wrote:My questions is tho, how many times are you able to pull your report each month? Everyday, once a month, etc? With tthe current site I use I pay my monthly subscription and it gives me my experian fico and report daily, but I only get EQ and Trans once a month. If I want to view EQ or Trans more than once a month I have to pay for it. Is MYFICO similar?
The myFICO site has information on products available. See also:
http://www.myfico.com/Products/Products.aspx
You get one report and score per year with the monitoring service. You do get alerts and updated scores but only certain activity triggers the alerts.
You can certainly purchase a one time report and score any time you want.