topic Re: CredCheckTotal Or MyFico in Understanding FICO® Scoring

CredCheckTotal Or MyFico

Anonymous — Fri, 19 Jan 2018 19:30:50 GMT

Hello all!

I am wondering which service any of you subscribe to and which you think is better or more accurate?

Do you subscribe to MyFico or CreditCheckTotal?

Thank you!!

Re: CredCheckTotal Or MyFico

Anonymous — Fri, 19 Jan 2018 19:38:04 GMT

I pay $40/month for MyFico monthly 3B and monitoring. My estate planner pays for my CCT "for free" for $14.97 per month the first year. I time them 2 weeks apart during my rebuild.

Since I was UNDER 550 back in Jan17, I needed at least one but got one free so I did both. Now that I'm at the 700 level (soon 740s) I will probably cut MyFico and try to get CCT for $15/month going forward. If not, I will cut that, too and just pay for 1B if I worry about something.

Re: CredCheckTotal Or MyFico

Gmood1 — Fri, 19 Jan 2018 21:09:58 GMT

I use creditchecktotal once every two months or so. Spend a $1 and cancel before 7 day trial. Cost me $6 to $12 a year. I go directly to the CBs themselves and pull my files if I want a detailed report for free.

Re: CredCheckTotal Or MyFico

HeavenOhio — Fri, 19 Jan 2018 22:39:16 GMT

It depends on what you want.

CreditCheck Total will give you your three FICO8s and reports. I'm not sure how their plan works, so I'll leave that to others. The thing around here is to sign up for CCT's $1 trial then cancel right away. Some do that several times a month.

For a lot more money, myFICO gives you a lot more scores (28, I believe). FICO8 scores update whenever an alert is generated. Other scores are updated when you get reports. Your reports are updated less frequently than what you're going to get from CCT.

Re: CredCheckTotal Or MyFico

Anonymous — Fri, 19 Jan 2018 23:07:15 GMT

Yes, the one thing that I did notice was that CCT does not give Mortgage Scores and that is my big concern at this point. I think I will cancel CCT and stick with My Fico and check CCT every month and cancel as you all have suggested, thank you!

Re: CredCheckTotal Or MyFico

Anonymous — Sat, 20 Jan 2018 06:50:55 GMT

I have the myFICO 3B quarterly plan, and plan on using the CCT for the two months for a $1 that I don't get the 3B report. I could of course upgrade to the 3B monthly, but in turn that cost more.

Re: CredCheckTotal Or MyFico

Anonymous — Sat, 20 Jan 2018 07:11:01 GMT

$1 CCT Trials For Life.

Re: CredCheckTotal Or MyFico

expatCanuck — Sat, 20 Jan 2018 07:51:19 GMT

@Anonymous wrote:
...
I am wondering which service any of you subscribe to and which you think is better or more accurate?
Do you subscribe to MyFico or CreditCheckTotal?
...

As far as I can tell, both are accurate as far as being snapshots in time. That is, both accurately reflect credit bureau data, and provide bona fide FICO Score 8 scores.

I've used both, and have also used the free EX product (on that bureau's website). CCT is owned by Experian. In my experience, EX has been quickest off the mark with account alerts, if only by an hour or three.

MyFICO provides more, but costs more. You can get CCT data for a dollar, but have to deal with cancellation, which can be a nuisance. Still, if you want/needs scores now, $1 is the best deal going.

FWIW, I'll offer that MyFICO's interface is easily the best I've used. (I've studied, developed a course for & taught interface design, and have worked as a software developer -- I really care about and appreciate a well-designed interface.) I'm not at all a fan of the EX sites from a design & functionality access perspective. I wouldn't recommend any of the services for their identity protection offerings (and think the EX UI for that is bloody awful).

Once my scores stabilize above 740, I'll probably cancel my MyFICO 3B subscription, rely on EX & CredKar for alerts, and monitor the scores (albeit 2-6 weeks late) with my cards (TU from Discover/BoA/Barclay; EX from EX and Amex; EQ from Citizens Bank/Citi). The TU & EX are FICO 8 scores; EQ are Bankcard 8 scores, which are really the only ones I care about now, 'cause all the house financing is done for the foreseeable future, and our vehicle is paid for and should last the better part of a decade. And I can get my full credit reports from annualcreditreport.com if I choose (and stagger them to one every 4 months).

Re: CredCheckTotal Or MyFico

Anonymous — Sat, 20 Jan 2018 07:18:12 GMT

@expatCanuck wrote:
I believe that CCT (which is owned/operated/controlled by EX), provides only EX & TU data. MyFICO's 3B product provides data from all 3 bureaus. I've used both.

CCT $1 trials give you your 3B reports/scores, which of course includes EQ. I would assume their "real" monthly memberships do as well.

Re: CredCheckTotal Or MyFico

expatCanuck — Sat, 20 Jan 2018 07:26:09 GMT

@Anonymous wrote:
@expatCanuck wrote:
I believe that CCT (which is owned/operated/controlled by EX), provides only EX & TU data. MyFICO's 3B product provides data from all 3 bureaus. I've used both.
CCT $1 trials give you your 3B reports/scores, which of course includes EQ. I would assume their "real" monthly memberships do as well.

Thanks -- corrected that. I was thinking about CK. It's late, and I really should go back to bed.

Re: CredCheckTotal Or MyFico

Anonymous — Sat, 20 Jan 2018 12:06:15 GMT

Experian offers several other credit monitoring products in addition to CCT. Personally I prefer Experian CreditWorks Premium over CCT. The CreditWorks trial at $4.99 for the first month is obviously more than CCT's $1 for 10 days but it offers much more useful info and quite often Experian will make other FICO scores like mortgage, auto and banking available for free. And if you continue after the trial expires, the monthly cost of $24.99 is less than what MyFICO charges and you get 3B reports every 30 days.

Re: CredCheckTotal Or MyFico

Anonymous — Sat, 20 Jan 2018 15:20:24 GMT

@Anonymous wrote:
Yes, the one thing that I did notice was that CCT does not give Mortgage Scores and that is my big concern at this point. I think I will cancel CCT and stick with My Fico and check CCT every month and cancel as you all have suggested, thank you!

You'd probably have gotten some very different responses if you had said this up front. It's the difference between "where is your favorite vacation spot?" and "where is a cheap but rewarding place in the Carribean for a single couple?" The more general question will be colored by people who don't take vacations, who have kids to consider, who like Europe or the mountains or African safaris or whatever.

Once we know that mortgages are your primary concern, we can tell you that CCT is of little value and you should go with myFICO and choose the monthly report option. We can give you even better advice if we know your timeline to buy and whether you think you have some work to do on your reports (getting rid of derogs, etc.).