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Established Member
Posts: 21
Registered: ‎01-28-2016
0

Essentials 1B vs. Ultimate 3B

[ Edited ]

If I understood the comparison chart correctly, Essentials 1B gives me 12 FICO scores and credit reports annually (1 per month); while Ultimate 3B gives me only 4 scores/reports annually (1 per quarter.) Granted, Ultimate provides scores and reports from all 3 major credit bureaus. However, I am less concerned about variaions among the credit bureaus and would rather receive more frequent reporting.

 

Did I understand correctly: Essentials 1B offers 12 unique scores and reports annually - 1 per month?

Administrator
Posts: 152
Registered: ‎08-15-2016
0

Re: Essentials 1B vs. Ultimate 3B

Yes, you read that correctly. The Essentials 1B provides monthly (12 in 1 year) an Equifax credit report + 9 FICO Scores based on Equifax data.

 

The Ultimate 3B provides quarterly (4 in 1 year)  credit reports from Equifax, TransUnion, and Experian + 28 FICO Score versions. 

 

With either product, your FICO Score 8 will be updated whenever FICO detects a change in your credit report (not just monthly or quarterly). 

FICO Score 8 (as of 3/2017) - EQ: 781, TU: 793, EX: 786
Established Member
Posts: 21
Registered: ‎01-28-2016
0

Re: Essentials 1B vs. Ultimate 3B

Excellent! Thank you.

Frequent Contributor
Posts: 284
Registered: ‎09-30-2016
0

Re: Essentials 1B vs. Ultimate 3B


Cindy_FICO wrote:

Yes, you read that correctly. The Essentials 1B provides monthly (12 in 1 year) an Equifax credit report + 9 FICO Scores based on Equifax data.

 

The Ultimate 3B provides quarterly (4 in 1 year)  credit reports from Equifax, TransUnion, and Experian + 28 FICO Score versions. 

 

With either product, your FICO Score 8 will be updated whenever FICO detects a change in your credit report (not just monthly or quarterly). 


I just signed up for My FICO and cancelled my CCT.  I guess I didnt realize I would only get updates 4 times a year *sad face*.  However do I read your statement correctly in that if any of my 3 main scores change, I will get notification of that?  Because that could change quite often.  Or is it just once a month on the start up date?

In second year post 13 DC (12-28-15)
Entered garden 10-3-16 App'd for mortgage January 14 Updated HP: April 6, 2017

Current Scores FICO 8: TU706 EQ699 EX708 Updated: Apr 5, 2017
Goal: 700's across the board!
My mortgage scores are: 703, 708, and 733! Yay me!
Administrator
Posts: 152
Registered: ‎08-15-2016
0

Re: Essentials 1B vs. Ultimate 3B


juniebrunner wrote:

Cindy_FICO wrote:

Yes, you read that correctly. The Essentials 1B provides monthly (12 in 1 year) an Equifax credit report + 9 FICO Scores based on Equifax data.

 

The Ultimate 3B provides quarterly (4 in 1 year)  credit reports from Equifax, TransUnion, and Experian + 28 FICO Score versions. 

 

With either product, your FICO Score 8 will be updated whenever FICO detects a change in your credit report (not just monthly or quarterly). 


I just signed up for My FICO and cancelled my CCT.  I guess I didnt realize I would only get updates 4 times a year *sad face*.  However do I read your statement correctly in that if any of my 3 main scores change, I will get notification of that?  Because that could change quite often.  Or is it just once a month on the start up date?


If there are changes detected from the FICO Score 8, you will get notified. 

FICO Score 8 (as of 3/2017) - EQ: 781, TU: 793, EX: 786
Frequent Contributor
Posts: 284
Registered: ‎09-30-2016
0

Re: Essentials 1B vs. Ultimate 3B


Cindy_FICO wrote:

juniebrunner wrote:

Cindy_FICO wrote:

Yes, you read that correctly. The Essentials 1B provides monthly (12 in 1 year) an Equifax credit report + 9 FICO Scores based on Equifax data.

 

The Ultimate 3B provides quarterly (4 in 1 year)  credit reports from Equifax, TransUnion, and Experian + 28 FICO Score versions. 

 

With either product, your FICO Score 8 will be updated whenever FICO detects a change in your credit report (not just monthly or quarterly). 


I just signed up for My FICO and cancelled my CCT.  I guess I didnt realize I would only get updates 4 times a year *sad face*.  However do I read your statement correctly in that if any of my 3 main scores change, I will get notification of that?  Because that could change quite often.  Or is it just once a month on the start up date?


If there are changes detected from the FICO Score 8, you will get notified. 


Thanks!

In second year post 13 DC (12-28-15)
Entered garden 10-3-16 App'd for mortgage January 14 Updated HP: April 6, 2017

Current Scores FICO 8: TU706 EQ699 EX708 Updated: Apr 5, 2017
Goal: 700's across the board!
My mortgage scores are: 703, 708, and 733! Yay me!
Valued Contributor
Posts: 1,344
Registered: ‎08-25-2016
0

Re: Essentials 1B vs. Ultimate 3B

I'm thinking of subscribing to the 3B. I have CK for weekly TU and EQ reports and the free Experian report monthly so my reports are covered. I think I'll like the idea of getting notified when my scores change on all 3 as opposed to just EX on CCT.

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