It's our information it should be FREE !!! It's an accumulation of Data of us and should be given to us not used to gouge us with hopes it has moved and you know LLecs that is True !
There are a few threads on here on that topic and I'd hate to rehash it on this thread. A side bit of info that may or may not influence your stance, but myFICO charges the fee and most of that fee goes directly to the CRA. The CRA charges myFICO for your info. I don't know if this is fact for sure or not, but it seems like former myFICO leadership mentioned that more than half of the costs for your reports goes to the CRA. MyFICO doesn't keep your info or even know what's on or not on your reports without the CRAs. The rest of the $$$$ goes to pay scientists, mathemeticians, corporate offices, staff, taxes, taxes, and more taxes (based in CA).
Speaking as a consumer, I don't mind paying the $$$. It's not my score. I didn't calculate it. I suppose I could spend millions trying to duplicate it, but then I'd still have to pay the CRA by which to pull the data for my own score calc. Now you should know that you can get all 3 FICOs for free.
Not looking to get them for free but paying 54.00 is stupid and I do not plan to do that. I will update you once I talk to them. If you don't hear from me you know I am Gone !!
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