topic Re: Want to share your myFICO product experience? in Credit Cards

Want to share your myFICO product experience?

Cindy_FICO — Mon, 20 May 2019 21:51:46 GMT

The myFICO team is working on some new web pages and would love to add some product testimonials on them.

If you've used one of our products and had a positive experience then please let us know! We'd love to share them with your permission. Post below or PM me and we'll reach out if we want to use your testimonial. Thanks!

Cindy_FICO
myFICO Admin

Re: Want to share your myFICO product experience?

Anonymous — Mon, 20 May 2019 22:16:54 GMT

I’ll help(attempt,anyway), I know testimonials are important.

I was waiting for my credit report to update for an important application. I purchased a report from MyFico and received an updated report. MyFico was the first to update and show me my accurate credit score before any of the other credit monitoring sites.

Re: Want to share your myFICO product experience?

Cindy_FICO — Tue, 21 May 2019 17:36:59 GMT

@Anonymous wrote:
I’ll help(attempt,anyway), I know testimonials are important.

I was waiting for my credit report to update for an important application. I purchased a report from MyFico and received an updated report. MyFico was the first to update and show me my accurate credit score before any of the other credit monitoring sites.

Thanks! Hopefully, your response will prompt others to share.

Re: Want to share your myFICO product experience?

KJinNC — Tue, 21 May 2019 17:45:47 GMT

I would, but the only MyFICO "product" I can use is the message boards, since the sign-up form won't allow me to sign up until all of my reports have a six-month-old account on them. If you're interested in requests or suggestions, I think you should let people in my situation sign up, and just leave the calculated score blank for credit reports without enough age, until they reach the six-month window. Show other info minus the score until it can be provided. Meantime, I am paying somebody else for the same thing. I know from discussions here that I'm not the only one in this situation, and I assume the group of people most motivated to sign up for products like yours would include people who are new to credit trying to build up their profiles, of which people with no accounts six months old would be a significant portion.

I have found a wealth of knowledge on the MyFICO forums that have helped me avoid mistakes and know where to focus my efforts.

Re: Want to share your myFICO product experience?

Cindy_FICO — Tue, 21 May 2019 18:26:58 GMT

@KJinNC wrote:

I would, but the only MyFICO "product" I can use is the message boards, since the sign-up form won't allow me to sign up until all of my reports have a six-month-old account on them. If you're interested in requests or suggestions, I think you should let people in my situation sign up, and just leave the calculated score blank for credit reports without enough age, until they reach the six-month window. Show other info minus the score until it can be provided. Meantime, I am paying somebody else for the same thing. I know from discussions here that I'm not the only one in this situation, and I assume the group of people most motivated to sign up for products like yours would include people who are new to credit trying to build up their profiles, of which people with no accounts six months old would be a significant portion.

I have found a wealth of knowledge on the MyFICO forums that have helped me avoid mistakes and know where to focus my efforts.

Thanks for the feedback for those who aren't scorable yet. I'm glad the forums has been a good place for you.

I'm looking for reviews on those who have used our paid products specifically.

Re: Want to share your myFICO product experience?

Anonymous — Tue, 21 May 2019 21:25:25 GMT

For years, I did not actively seek credit as I knew that my scores were horrible. After being forced into Bankruptcy due to high medical bills, I decided it was time to take my head out of the sand and start rebuilding.

I found MyFICO while searching for help with credit scores. I joined the forums, and read every post I could find about rebuilding credit scores. The forums are a wealth of information from people just like me!

I then signed up for the monthly 3B credit monitoring. Whenever a change on my credit reports take place, it updates my FICO scores on all 3 bureaus. It also gives me my scores for mortgages and auto loans once a month.

I love being able to look in one place for all of my scores, and the information on the forums is priceless!

Re: Want to share your myFICO product experience?

Anonymous — Tue, 21 May 2019 21:38:50 GMT

I use the premier monthly service and so far it has been great. One suggestion I have is to update all of the scoring models when there is a change, or at least let users be able to simulate their other scores.

When you’re trying to make a big purchase and your scores are right on the border this would be a big help.

Re: Want to share your myFICO product experience?

Cindy_FICO — Tue, 21 May 2019 23:05:00 GMT

@Anonymous wrote:
For years, I did not actively seek credit as I knew that my scores were horrible. After being forced into Bankruptcy due to high medical bills, I decided it was time to take my head out of the sand and start rebuilding.

I found MyFICO while searching for help with credit scores. I joined the forums, and read every post I could find about rebuilding credit scores. The forums are a wealth of information from people just like me!

I then signed up for the monthly 3B credit monitoring. Whenever a change on my credit reports take place, it updates my FICO scores on all 3 bureaus. It also gives me my scores for mortgages and auto loans once a month.

I love being able to look in one place for all of my scores, and the information on the forums is priceless!

Thanks for sharing your story. This is great.

Re: Want to share your myFICO product experience?

Cindy_FICO — Tue, 21 May 2019 23:06:43 GMT

@Anonymous wrote:
I use the premier monthly service and so far it has been great. One suggestion I have is to update all of the scoring models when there is a change, or at least let users be able to simulate their other scores.

When you’re trying to make a big purchase and your scores are right on the border this would be a big help.

Glad to hear you like our FICO Premier product! Thanks for the suggestion as well.

Re: Want to share your myFICO product experience?

pizza1 — Tue, 21 May 2019 23:09:46 GMT

While I don't pay for any monitoring service(s), I have paid for and used the one-time 1-B and 3-B products several times specifically from myFico.

Aside from having to unfreeze my Experian report before I'm able to purchase the one time 3-B report, I've not had any issues obtaining my reports from here, and they seem updated to real time when pulled.

It's been a very easy process every time I've purchased products!

Re: Want to share your myFICO product experience?

CAS2019 — Tue, 21 May 2019 23:23:13 GMT

In all honesty, I wish “MyFICO” was widely known. I came upon it by accident. I signed up for the premium edition early in my credit build, as I was someone who had gone through life without any credit cards or loans. When I had the opportunity to buy a condo, I had to suck it up and establish myself. It took me a less than a year, but because I was able to track my credit progress, it was monumental in my credit build. My mortgage credit scores from MyFICO was only one point off from the bank’s! I personally think it should be a requirement for anyone looking to purchase a mortgage or other large loan.

Re: Want to share your myFICO product experience?

Cindy_FICO — Wed, 22 May 2019 00:02:33 GMT

@pizza1 wrote:
While I don't pay for any monitoring service(s), I have paid for and used the one-time 1-B and 3-B products several times specifically from myFico.

Aside from having to unfreeze my Experian report before I'm able to purchase the one time 3-B report, I've not had any issues obtaining my reports from here, and they seem updated to real time when pulled.

It's been a very easy process every time I've purchased products!

No worries about the monitoring services, but happy to hear the buying process is easy for you to complete.

Re: Want to share your myFICO product experience?

Cindy_FICO — Wed, 22 May 2019 00:03:38 GMT

@CAS2019 wrote:

In all honesty, I wish “MyFICO” was widely known. I came upon it by accident. I signed up for the premium edition early in my credit build, as I was someone who had gone through life without any credit cards or loans. When I had the opportunity to buy a condo, I had to suck it up and establish myself. It took me a less than a year, but because I was able to track my credit progress, it was monumental in my credit build. My mortgage credit scores from MyFICO was only one point off from the bank’s! I personally think it should be a requirement for anyone looking to purchase a mortgage or other large loan.

I'm so happy to hear! It was great that you found myFICO early on to then eventually help you get a mortgage. That's awesome.

Re: Want to share your myFICO product experience?

jwa77 — Wed, 22 May 2019 05:56:00 GMT

I love the myFICO product. I subscribe to the monthly 3B. My only complaint is that the alerts that we get from TransUnion are super vague and not as descriptive as Equifax or Experian. The only example I can give you is that alerts coming from Equifax or Experian will always specify which account the alerts generate from. However, TransUnion just says “the total balance of all your bank card accounts….” My other issue is that two free credit monitoring products from my credit card companies will notify me ASAP when an inquiry goes through but your product takes a day or longer to notify me.

Re: Want to share your myFICO product experience?

Cindy_FICO — Wed, 22 May 2019 18:39:11 GMT

@jwa77 wrote:

I love the myFICO product. I subscribe to the monthly 3B. My only complaint is that the alerts that we get from TransUnion are super vague and not as descriptive as Equifax or Experian. The only example I can give you is that alerts coming from Equifax or Experian will always specify which account the alerts generate from. However, TransUnion just says “the total balance of all your bank card accounts….” My other issue is that two free credit monitoring products from my credit card companies will notify me ASAP when an inquiry goes through but your product takes a day or longer to notify me.

Thanks for the feedback.

Re: Want to share your myFICO product experience?

FireMedic1 — Wed, 22 May 2019 23:26:00 GMT

I have been a monthly 3B customer for over 3 yrs since my BK. It was great getting updates and seeing the progress being made during my rebuild after discharge. Coming from the mid 500's to 740-750. I got to see the timeline from rebuld to recovery. Also. I was able to cut off a zombie debt collector after getting an alert in a timely fashion. 3 days later they were toast.

On a side note. I wish the monthly pulls would show more details like the 1B shows. Example:

Re: Want to share your myFICO product experience?

Anonymous — Thu, 23 May 2019 05:01:49 GMT

I had an extremely negative experience if you're interested in constructive feedback to improve your product. Probably the worst experience I've ever had with any online service (customer service related). It left such a bad taste that to this day "myfico" brings back bad memories. My wife and I used your product for over a year, so very familiar with it. I was astonished a customer service rep would treat a long term customer so horribly. The forums, on the the other hand, have been a great resource. At this point, I would never recommend your subscription. At least you have implemented online cancellation. That took you way too long.

Re: Want to share your myFICO product experience?

Cindy_FICO — Thu, 23 May 2019 18:38:34 GMT

@FireMedic1 wrote:

I have been a monthly 3B customer for over 3 yrs since my BK. It was great getting updates and seeing the progress being made during my rebuild after discharge. Coming from the mid 500's to 740-750. I got to see the timeline from rebuld to recovery. Also. I was able to cut off a zombie debt collector after getting an alert in a timely fashion. 3 days later they were toast.

On a side note. I wish the monthly pulls would show more details like the 1B shows. Example:

Thanks for sharing your story. I'm glad you've been able to rebuild.

Re: Want to share your myFICO product experience?

Anonymous — Sun, 26 May 2019 03:42:00 GMT

MyFico provides me with every type of Fico score that a lender could use, so i know i can be prepared for anything. The wealth of information in my reports helped me quickly indentify issues and resolve them, by knowing everything in my credit profile.

Re: Want to share your myFICO product experience?

Anonymous — Wed, 12 Jun 2019 05:07:04 GMT

I became a subscriber to Myfico back early 2015 when I decided to take charge of my credit. I consider the monthly fees an investment that has paid off handsomely as I have accurate and complete knowledge of my credit situation at all times. This has made me better understand how what I do impacts my credit allowing me to improve my scores by over 100 points which has given me access to more credit at much better terms than before saving thousands.