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Cancelling My Fico

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Frequent Contributor

Cancelling My Fico

Sorry to leave you guys, but I am cancelling myfico.   There are problems with this service and customer service just wants to argue with you about it and not fix it.  I would rather sign up with equifax and get monthly reports instead of having to wait and fight customer service.  I have to leave everyone here.



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

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14 REPLIES
Epic Contributor

Re: Cancelling My Fico

You don't have to leave.  You can cancel the service and still remain on the forums.

Frequent Contributor

Re: Cancelling My Fico


guiness56 wrote:

You don't have to leave.  You can cancel the service and still remain on the forums.


 


+1   Ditto. I dont have the service  and Im on the forums. Dont leave us behind! Smiley Happy

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Valued Contributor

Re: Cancelling My Fico

Yeah, the service and the forums are completely independant.  I think leaving the ScoreWatch is more of a "graduation" for some people than anything.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Moderator Emeritus

Re: Cancelling My Fico

There is no need to stop participating in the forum... I went over 6 months without purchasing anything from this site. I didn't need my scores and I get daily 3 bureau reports from another service...


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Regular Contributor

Re: Cancelling My Fico

hey,

 

Hang in there - I don't have MyFico service, but still participate in this forum.  It is a valuable resource - so stay around here. You will learn a lot as you continue the rebuilding process.

 

If you want daily unlimited credit monitoring, USAA is available.

 

If you want monthly access to your Equifax FICO score, get an M&T bank account, and for about $3.00 per month (or free with a higher balance) you can get a real FICO score every month.

 

cheers, Oyiwaa.

font=times new roman,times,serif][color=#0000ff][b]Current FICO Scores (Feb 2016)[/b][/color][/font]
[size=3][font=times new roman,times,serif][b]EX FICO-8 (AMEX) = [i]647[/i][/b]
[b]TU FICO-8 (Discover) = [i]640[/i][/b]
[b]EQ FICO-5 (DCU) = [i]654[/i][/b][/font][/size]

[font=times new roman,times,serif][color=#ff0000][b]Personal Credit[/b][/color][/font]
[LIST]
[*][size=3]B[font=times new roman,times,serif]arclaysMC: $750 [size=3][font=times new roman,times,serif][size=3][font=times new roman,times,serif]Merrick Bank: $700[/font][/size][/font][/size][/font][/size][/*]
[*][size=3][font=times new roman,times,serif]CapitalOneMC: $400 [size=3][font=times new roman,times,serif][size=3][font=times new roman,times,serif]Milestone: $300[/font][/size][/font][/size] [/font][/size][/*]
[*][size=3][font=times new roman,times,serif]CapitaloneMC-Secured: $700 [size=3][font=times new roman,times,serif][size=3][font=times new roman,times,serif]Kohls=$400[/font][/size][/font][/size][/font][/size][/*]
[*][size=3][font=times new roman,times,serif]Amazon Chase: $2500 Macys: $100[/font][/size][/*]
[*][size=3][font=times new roman,times,serif]BestBuy MC: $2000 JC Penny: $1500[/font][/size][/*]
[*][size=3][font=times new roman,times,serif]DCU Visa: $3000 Walmart: $300[/font][/size][/*]
[*][size=3][font=times new roman,times,serif]WellsFargoVisa: $800 Lowe's: $400[/font][/size][/*]
[*][size=3][font=times new roman,times,serif]Discover: $5000 HomeDepot: $1500[/font][/size][/*]
[*][size=3][font=times new roman,times,serif]AmericanExpress-Costco: $2000 NissanMAC (3.5%) Auto Loan: $40,000 + Mortgage[/font][/size][/*]
[/LIST]
Frequent Contributor

Re: Cancelling My Fico

Awesome thanks guys!  I am going to look at another service.  If I can stay then I am going to stay here this forum is the best forum I have ever been to and all of your advice is invaluable!   Thanks for the adivce.

 

Edited:  Where is a good place to get monthly fico scores, anyone?  I can get approved now for the house but I have the option to wait a little bit and do more building.



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Contributor

Re: Cancelling My Fico

I use Experian. They gave me a rate of around $8 a month and I can pull my report and score as much as I want.

Starting Score: 577 EX 9/9/2015
Current Score: 577 EX 9/9/2015
Goal Score: 700


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Epic Contributor

Re: Cancelling My Fico


LoveGoodCredit wrote:

Awesome thanks guys!  I am going to look at another service.  If I can stay then I am going to stay here this forum is the best forum I have ever been to and all of your advice is invaluable!   Thanks for the adivce.

 

Edited:  Where is a good place to get monthly fico scores, anyone?  I can get approved now for the house but I have the option to wait a little bit and do more building.


There is no place for you to purchase all 3 FICO scores.  Experian has not sold their FICO score to the consumer since Feb 2009.

You can get a TU FICO at transunioncs.com but it is a TU98 same as this site.

 

I believe you can still get the FICO at EQ but it is hard to find.  Or you can get it on this site.

 

Also, I have been on this site for 5 years and have never purchased anything.  No one has run me off yet.

 

 

Frequent Contributor

Re: Cancelling My Fico

I think my lender pulled a credexpert or something.  What scoring model is that?  it was two months ago when my Transunion was 604 and when they pulled it it was a 599 which was my previous.  NOW Credit Karma showed  HUGE point jump and their vantage score has always matched my TU score to the T at 671.  I am so curious what my fico is.



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge