Should I cancel my "MyFICO" subscription each month?

[Anonymous]

I'm paying $29.95 to MyFICO every month in order to access my credit scores from all three bureaus and a quarterly 3B (Three Bureau) report. I’m not receiving any sort of discount by subscribing continually.

My question is, if I were to cancel each month and ‘resubscribe’ would I receive the 3B report each month. I asked MyFICO directly and the clerk was shocked that I would consider such a thing!

[Anonymous]

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@Anonymous wrote:

I'm paying $29.95 to MyFICO every month in order to access my credit scores from all three bureaus and a quarterly 3B (Three Bureau) report. I’m not receiving any sort of discount by subscribing continually.

My question is, if I were to cancel each month and ‘resubscribe’ would I receive the 3B report each month. I asked MyFICO directly and the clerk was shocked that I would consider such a thing!

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I considered myFICO but since I would need 2 subscriptions (one for me and one for my husband) we ended up using Credit Check Total.  You can do a 7 day trial for $1 and then if you call to cancelled before your trial ends they will give you 50% off discount.  So for the price of one MyFICO subscription we each have a Credit Check Total.  You get 3B scores and reports once a month and a daily update of your Experian score and report.  

[Burned2manybridgesB4]

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@Anonymous wrote:

I'm paying $29.95 to MyFICO every month in order to access my credit scores from all three bureaus and a quarterly 3B (Three Bureau) report. I’m not receiving any sort of discount by subscribing continually.

My question is, if I were to cancel each month and ‘resubscribe’ would I receive the 3B report each month. I asked MyFICO directly and the clerk was shocked that I would consider such a thing!

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Sending you a PM

[DatGurl]

I was wondering something similar. Can you please advise any info you  learn. Thanks in advance

[Anonymous]

I pay for both. But my DW only has CCT. I wish they would do what CCT does.

[Anonymous]

I'm wondering the same. I feel like I have too much. I have EQ monitoring at a discount and then TU and EQ. Maybe I should cancel and just use CCT. Hmmmm. CK gives weekly updates on the other two reports. Just not accurate scores.

[takeshi74]

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@Anonymous wrote:

My question is, if I were to cancel each month and ‘resubscribe’ would I receive the 3B report each month. I asked MyFICO directly and the clerk was shocked that I would consider such a thing!

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Why not just use CCT?

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@Anonymous wrote:
CK gives weekly updates on the other two reports. Just not accurate scores.

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CK's scores are accurate.  Any score is accurate but only for its own model.  You cannot use a score generated by one model to determine a score generated by another model whether comparing FAKO to FICO, FICO to FICO or FAKO to FAKO.  If you're assuming "accuracy" is how well a given model mimics FICO 8 then you're doing it wrong.  If you want to know what your score is for a given model & CRA then you need to pull that specific score.

Different models evaluate report data differently and can have different scoring ranges.

Consider relevance of any model/CRA combo.  CK's scores will only be relevant to creditors that use a TU or EQ VantageScore 3.0.