'garbage"
...yes and no ...myFICO saw a marketing opportunity and tried to meet a demand for a 3-CRA Scorewatch product ...it appears that they grossly oversold that product vs what the tech side was actually able to produce ...classic marketing ploy/fail.
...but the demand remains for a full featured product and it does appear that the myFICO tech side is trying to upgrade the product to match the marketing promises
...so while the delivery to date has been "garbage" there has been some effort on myFICO's side to get the product upgraded to match the sales pitch ...and since I still want that 3-CRA "Scorewatch" type product I'm going to wait it out for another month or so to see what they can actually deliver
...from my point of view its only $5 a month more than the EQ only Scorewatch ...and since I've finally seen an EX report alert (no TU yet) ...and the mods here are being fairly responsive in clarifying whats going on and what to expect, its worth the time and money to see if myFICO can actually deliver.
...not that it excuses the original marketing hype ...I'll be a LOT more sceptical of myFICO sales pitches in the future ...but I'm still in that 680-730 CRA range (460 Apr '13) where I need to keep on top of what all the CRA's are reporting and much prefer doing it in one place and with actual FICO scores
...its just my opinion and its evident others feel differently ...c'est la vive
I certainly can't profess to know myFICO's business model but I think its reasonable to assume a few things a priori:
1) myFICO is not itself a CRA and must pay some fee to each CRA in order to receive reports from each on which to base its Scorewatch type products.
2) myFICO is a direct competitor to the CRAs in selling scorewatch type products to consumers, thus the CRAs are going to charge market based fees for each report they provide to myFICO.
3) myFICO must be using its in-house algorithms to determine the pricepoint at which it can make a product profit ...just like the CRAs are doing to price each report they sell to myFICO
4) the vast majority of consumers do not see significant monthly score changes, much less weekly ones
...thus a weekly score update on each CRA FICO score would most likely require a much higher report pull rate than myFICO currently has priced in
...so while your proposal would be a nice product from the consumer viewpoint, it would likely be a financial disaster from myFICO's ledger view
...and I'm sceptical that the CRAs themselves would ever stand for such an independent product that would siphon off much of their own consumer side traffic
...just my opinion of course ...worth what it cost 
@Lemmus wrote:I certainly can't profess to know myFICO's business model but I think its reasonable to assume a few things a priori:
1) myFICO is not itself a CRA and must pay some fee to each CRA in order to receive reports from each on which to base its Scorewatch type products.
2) myFICO is a direct competitor to the CRAs in selling scorewatch type products to consumers, thus the CRAs are going to charge market based fees for each report they provide to myFICO.
3) myFICO must be using its in-house algorithms to determine the pricepoint at which it can make a product profit ...just like the CRAs are doing to price each report they sell to myFICO
4) the vast majority of consumers do not see significant monthly score changes, much less weekly ones
...thus a weekly score update on each CRA FICO score would most likely require a much higher report pull rate than myFICO currently has priced in
...so while your proposal would be a nice product from the consumer viewpoint, it would likely be a financial disaster from myFICO's ledger view
...and I'm sceptical that the CRAs themselves would ever stand for such an independent product that would siphon off much of their own consumer side traffic
...just my opinion of course ...worth what it cost
Pretty sure that giving us a solid current FICO score, at least once a week, would cost them more. We agree there. However, it would go along with the promises the product has made AND financially, it might be a way of retaining subscriptions which would disappear if the service remains as it is. It's good to save unnecessary expenses, but if you save on the thing that might keep your revenue going, you are killing yourself.