After my 30 day free trial I signed up for score watch $8.95/monthly. Since then I have not received a score update. I checked my Experian report via freecreditreport.com and it has improved...how come I havent recevied a score update from myfico? Isnt this what the $8.95 includes? Also when I log in, under "My Purchases" it shows me my latest score and then it says "buy today's score" ....I thought "today's score" is included in the score watch for $8.95....am I wrong?
Check the middle of the page. If your score changes it will be reflected ultimately on the Score Watch. Be patient. At 9 bucks a month you might be better served just getting a full EQ FICO report every three months. You can get the same Score Watch product over at Equifax for $50 a year.
In settings set your current fico score to the target score. Lower the mortgage target range to just above your score now. Make sure all options are set to "on". That might help trigger a new alert. New alerts don't happen as much for people with better scores. I can go a few months with out an alert now. I used to get them every 2 or 3 weeks. :-)
I was speaking with an EQ CSR last week disputing some personal info and she offered me SW for $50/yr. I already subscribe to it but canceled it which should take effect next month. I have a feeling that SW has caused C* for me and is the reason I am no longer getting B* on EQ.
If you just order it on their site it is $90/yr. There are also random links on the web where you can get it for $5.95/mo.
Equifax Score Watch doesn't cause any problems but the Credit Watch Gold can trigger split files and C which hampers B. Actually Truecredit is sufficient for monitoring. I find it to be as quick as the individual agencies themselves. Call Equifax and you can haggle them down to $50 yearly for Score Watch.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.