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does the MyFico 3 report monthly credit monitoring option

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Anonymous
Not applicable

does the MyFico 3 report monthly credit monitoring option

give you just one report a month or is it up to date whenever something is reported?

Message 1 of 10
9 REPLIES 9
Duke84
Regular Contributor

Re: does the MyFico 3 report monthly credit monitoring option

It provides 1 report from all 3 bureaus once a year, but monitors your credit for changes in utilization, new accounts, etc.
Starting Score: EQ: 537, TU: 488, EX: 558 (8/2014)
Current F8 Score: EQ: 733, TU: 734, EX: 709 (4/2023)

Current Cards:


Store Cards:
Message 2 of 10
Anonymous
Not applicable

Re: does the MyFico 3 report monthly credit monitoring option


@Duke84 wrote:
It provides 1 report from all 3 bureaus once a year, but monitors your credit for changes in utilization, new accounts, etc.

does the score they provide change through the months as things get added and taken away?

Message 3 of 10
Anonymous
Not applicable

Re: does the MyFico 3 report monthly credit monitoring option


@Anonymous wrote:

@Duke84 wrote:
It provides 1 report from all 3 bureaus once a year, but monitors your credit for changes in utilization, new accounts, etc.

does the score they provide change through the months as things get added and taken away?


Yes

Message 4 of 10
Anonymous
Not applicable

Re: does the MyFico 3 report monthly credit monitoring option

In general the removal of derogatory items does not trigger a new score. Adding of new accounts and new collections does, as well as balance changes and inquiries.

Message 5 of 10
Anonymous
Not applicable

Re: does the MyFico 3 report monthly credit monitoring option

how are people putting what credit cards they have in their sig?

Message 6 of 10
thomasjm99
Regular Contributor

Re: does the MyFico 3 report monthly credit monitoring option


@Anonymous wrote:

how are people putting what credit cards they have in their sig?


 I am curious about this as well...

Message 7 of 10
Anonymous
Not applicable

Re: does the MyFico 3 report monthly credit monitoring option


@Anonymous wrote:

how are people putting what credit cards they have in their sig?


http://ficoforums.myfico.com/t5/SmorgasBoard/THIS-IS-HOW-YOU-ADD-CREDIT-CARD-PICS-TO-YOUR-PROFILE/td-p/2262839

Message 8 of 10
takeshi74
Senior Contributor

Re: does the MyFico 3 report monthly credit monitoring option


@Anonymous wrote:

does the score they provide change through the months as things get added and taken away?


The scores and monitoring update based on trigger activity.

http://myfico.custhelp.com/app/answers/detail/a_id/463/~/understanding-what-triggers-fico%C2%AE-3-bureau-credit-monitoring-and-fico%C2%AE-identity

Message 9 of 10
Anonymous
Not applicable

Re: does the MyFico 3 report monthly credit monitoring option

My score just went up as my utilization lowered.
Message 10 of 10
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