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OK someone tell me I didn't pay $32 a month for a service that doesnt even list all my credit accounts and when they reported last? I just went through every link on the dashboard and I can't find anything. Am I missing something?
I bought this so I could have exact up to the day information. Such as that specifically.
Ok so I think I found it. You click on the circle on the chart and then on the revolving accounts.
Small problem, it only has the "month" last reported?? Like "June" not a day specified? LOL I can get the exact day for free from Credit Karma. Unreal.
Ok, so a couple inconvenient facts. It doesn't always update to the day. In this regard, I have found that CCT is faster. Secondly, as you note, CK has more dates wrt when the last payment was made, also when the card was opened, etc. I like MyFico very much, but it does not excel in the areas you mentioned, in my experience.
It's super at when you are going to apply for a mortgage or auto loan and you need all those scores to know and therefore leverage your position.
With the amount of free products out there these days along with occasional CCT $1 trials, monthly memberships for $30+ to me simply don't seem worth it. Then you hear things like this that they don't even provide what people are looking for and/or expecting. Not cool.
@Anonymous wrote:Ok so I think I found it. You click on the circle on the chart and then on the revolving accounts.
Small problem, it only has the "month" last reported?? Like "June" not a day specified? LOL I can get the exact day for free from Credit Karma. Unreal.
I get wanting to see the dates, that is nice.
Though I think it doesn't matter on your report. If you have a late payment in say June it will come off in August as it always comes off the month after.
I just use place like CK and such to get a more updated credit score before MyFico updates.
@Anonymous wrote:With the amount of free products out there these days along with occasional CCT $1 trials, monthly memberships for $30+ to me simply don't seem worth it. Then you hear things like this that they don't even provide what people are looking for and/or expecting. Not cool.
I think MyFICO would be worth it more if they updated every 30 days at a minimum instead of Quarterly.
That's why some people signed up for a service called myFICO Premium, which did exactly that. Same as Ultimate, just gave you a 3B report and a few dozen scores every 30 days. The price was $40/month.
Does anybody know if Premium is still available?
Myself I just go with using free tools monthly (for my reports and FICO 8 scores) and then pulling all three dozen scores at myFICO once every 18 months or so. That averages out to be about about $20 per year.
@Anonymous wrote:That's why some people signed up for a service called myFICO Premium, which did exactly that. Same as Ultimate, just gave you a 3B report and a few dozen scores every 30 days. The price was $40/month.
Does anybody know if Premium is still available?
Myself I just go with using free tools monthly (for my reports and FICO 8 scores) and then pulling all three dozen scores at myFICO once every 18 months or so. That averages out to be about about $20 per year.
I don't think that premium is available anymore.
Right now MyFICO will update your FICO 8 scores if it finds something new on your report. The other scores will only update quarterly. I guess you could just cancel your order and just renew it every 3 months :\
I'm tempted to try out CCT. Just wish it gave all the other scores too.
Hey VS. One thing you may want to try is timing your quarterly MF report in such a way that your profile is stable and optimized at the time the quarterly scores are generated. Do that a few times and you may find that the FICO 8 classic can be used as a fairly accurate predictor of your other scores. E.g. maybe the EQ FICO 8 Classic tends to always be 10 points lower than your EQ FICO 8 Bankcard score (say).
Once you have figured that out, you may discover that the FICO 8 classic is good enough.