No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
lookingforlender wrote:
Here it is. The "alerts" you receive and the numbers they give you don't reflect your actual current score that the credit bureaus have and do not reflect the accurate information because they - MiFico-can't get access them. Last year, the credit bureaus did not charge a fee directly, now they are. So the product you purchased from MyFico is now useless. All the confusion companies cause people by not owning up just pisses me off....sorry
cheddar wrote:This is not true. FICO scores are a product that belongs to Fair Isaac, who also own myFICO. Fair Isaac contracts with the CRAs to receive a consumer's reports, and then runs those reports through the scoring algorithms for each CRA to generate FICO scores, which are available for purchase here, along with said credit reports in a proprietary myFICO format.
Barry wrote:While I agree that it would be great to be able to see what our scores would be with FICO 08 ASAP, it's just not possible due to the fact that all FICO scores, in all cases, are calculated at the bureaus.
cheddar wrote:Thanks for the correction, MV! No, really. Thanks. (Not sarcastic at all. )In all seriousness, I stand corrected regarding the question of where the scores are calculated.
cheddar wrote:This does not change my assertion that the scores you get from myFICO are NOT "useless," as the OP put it.
I am getting alerts when I should now, as is DW. It seems back on track
cheddar wrote:OP, I agree with you that SW has been having some issues, but this has nothing to do with the validity of the scores you receive through that or any other product at myFICO.