Monthly Credit Reports and Scores

[A1Credit]

Unfortunately, I've already gotten 2 of the 3 reports already.  I'm saving one for later use.

[Anonymous]

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@roxy72 wrote:

I just called and spoke with a rep who stated they no longer offer the MyFICO Premier which refreshes your scores and reports on a monthly basis.

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That rep is incorrect. I'm not sure what's going on with the reps, but you can still sign up for MyFICO Premier (I signed up for it last Friday). If you've currently got a 3B Ultimate subscription, you'll need to cancel it and then sign up for Premier here: http://www.myfico.com/Products/FICO-Premier-3B/

[A1Credit]

Excellent!  You are much appreciated @habu987.

[roxy72]

habu987 you are sooooooo on the money!  I just called and the rep cancelled by Ultimate 3B account and I subscribed to the Premier and it went through.  Thank you!!  Monthly score and report updates for the same price as the Ultimate.  I'll take that

[Anonymous]

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@roxy72 wrote:

@Anonymous you are sooooooo on the money!  I just called and the rep cancelled by Ultimate 3B account and I subscribed to the Premier and it went through.  Thank you!!  Monthly score and report updates for the same price as the Ultimate.  I'll take that

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No kidding! Since starting my rebuild a few years ago, I was paying for a monthly report between the quarterly updates...*shudder*...at least this way I won't be spending an extra ~$400 a year on credit reports!

[Anonymous]

I've tried to get myfico and cct for credit scores but since my oldest account is only 5 months it hasn't generated a score.

My question is I app'd for unify and penfed they both sent me a score 477 from equifax.

I also have a monthly Statement "fico" score from credit one bank which also shows 477.

So is 477 my actual fico?

[rmduhon]

I don't know about Penfed or Unify, but Credit One is a Fako score.

[Anonymous]

Penfed uses equifax data to create an internal score so that is what it is reporting to you.  NFCU does the same thing.  I believe what they are doing is saying they want to apply more weight to certain factors probably to balance their risk so they have their own scores.  My score isn't far off of my regular Fico 8 but my wifes is much higher on the internal.  Not sure what weight they are applying but it seems AAOA is a factor they care about and recent apps.

[Gidgetmom]

I have found that I like Experiian.  For $24.95 per month, I can pull my 3 bureau report daily, if I want, at no extra charge.  It gives me FICO 8 scores for all three bureaus.  It also seems to update faster than myFICO.  Two weeks ago my EQ went up 62 points.  EX showed the bump immediately.  MyFICO took another week and a half before it showed the increase.  

As I am not purchasing a house or vehicle, I don't really need the extra scores myFICO provides.  Thinking of cancelling myFICO reports and sticking with Experian.  I just don't want to lose the myFICO forums.  

[rmduhon]

You won't lose the forums. I was a member of the forums for over a year before I signed up for the scores.