The nice thing about the Suze Kit is the other features, which I do like to use, and have been using. When I first bought the kit I was looking for a way to track how I should pay down my cc's. They have a debt eliminator section which you input your balances and apr's and tell it how much you can afford to pay for cc for the month and it will calculate how much and which ones you should pay down first. Now, that is something that you have to update yourself tho every month, what your current balances are etc. I bought the kit in late dec, I bought new reports at the end of March, the Suze kit updates with each new report you get which is kinda nice, as I imputed my monthly cc debt data it saw that my avg fico score had went up and let me know that I should contact my cc company and ask for a apr reduction as my fico score was higher and I should qualify for it. They even provided a script for it. I thought this was a nice feature. I also like the section about Can I afford this house, as this is one of the reasons I want to get my finances in check, since it knows my most current fico scores (last ones I purchased) it tells me what to expect in regards to interest rates and so forth.
I have been using True Credit to see changes to my actual credit report, Im new to that product so cant really say how accurate it is but it allows you to pull every day with a monthly charge of about 15 bucks, Im trying it out for about a month to see if I like it. But just remember Myfico is the only spot you can get your true FICO scores, true credit will give you scores but they are not FICO's but FAKO's.
Hope some of this helps..
