topic Re: Possible Huge Discount On Score Watch? in General Credit Topics

CONFIRMED: Huge Discount On Score Watch!

JagerBombs89 — Thu, 31 Mar 2011 20:40:36 GMT

Without saying too much and trying to endorse somewhere else... Can anyone confirm whether Score Watch by Equifax is the same Score Watch provided here by MyFICO? If so, I might have a deal for you! ( If I am allowed to PM it )

*EDIT TO ADD*

As an update, I purchased Score Watch from Equifax. My score was at 753, up from 745 two weeks ago. I can't say that I like the layout of Equifax, where as MyFICO is very user friendly, but they both get the same job done. Got my scorewatch for a yearly price of $69.95 (or monthly of $6.95/month)

*Note:

Discount applies only to Equifax Score Watch... Not available with MyFICO.

Requirement: Must be NFCU Member.

Re: Possible Huge Discount On Score Watch?

MarineVietVet — Thu, 31 Mar 2011 19:00:15 GMT

@JagerBombs89 wrote:
Without saying too much and trying to endorse somewhere else... Can anyone confirm whether Score Watch by Equifax is the same Score Watch provided here by MyFICO? If so, I might have a deal for you! ( If I am allowed to PM it )

From what I understand it is exactly the same product.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Possible Huge Discount On Score Watch?

JagerBombs89 — Thu, 31 Mar 2011 19:10:57 GMT

@MarineVietVet wrote:
@JagerBombs89 wrote:
Without saying too much and trying to endorse somewhere else... Can anyone confirm whether Score Watch by Equifax is the same Score Watch provided here by MyFICO? If so, I might have a deal for you! ( If I am allowed to PM it )
From what I understand it is exactly the same product.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

In which case, I know what my FICO score on here was so I am going to purchase the Score Watch over there to compare results. BTW, to get this discount you have to be a member of a certain CU.

Re: Possible Huge Discount On Score Watch?

JagerBombs89 — Thu, 31 Mar 2011 20:39:46 GMT

Edit to put in 1st post.

Re: Possible Huge Discount On Score Watch?

awal — Fri, 01 Apr 2011 02:29:50 GMT

I'm curious how the EQ Scorewatch stacks up to the Fico Scorewatch in regards to timeliness of alerts.

Re: Possible Huge Discount On Score Watch?

haulingthescoreup — Fri, 01 Apr 2011 02:40:45 GMT

I hope it's still the same product! It always was before, but recently Equifax stopped selling EQ FICO's directly from their site. (Not the Scorewatch product, but a link specifically to buy the FICO score.)

Do let us know if the score you get with it is a FICO.

edited in an attempt to add some clarity

Re: Possible Huge Discount On Score Watch?

MarineVietVet — Fri, 01 Apr 2011 02:59:58 GMT

@haulingthescoreup wrote:
I hope it's still the same product! It always was before, but recently Equifax stopped selling EQ FICO's directly from their site. (Not the Scorewatch product, but a link specifically to buy the FICO score.)

Do let us know if the score you get with it is a FICO.

edited in an attempt to add some clarity

I certainly can't find it. I have seen others post how to get there and I thought I bookmarked the procedure but I apparently have such a good filing system that the BM is lost on my hard drive somewhere.

The cynical side of me thinks that EQ has made it purposely difficult to find that EQ FICO score link because they are pushing their new proprietary EQ "score".

Re: Possible Huge Discount On Score Watch?

haulingthescoreup — Fri, 01 Apr 2011 03:06:55 GMT

Frankly, my guess is that they've phased it out entirely, just as did TU.

Looks to me like the CRA's, led by Experian, are pretty much abandoing the consumer market for FICO's. Why not, when they can make more money off of FAKO's?

I honestly don't care (I know it sounds like I do, lol) if they want to sell FAKO's, if they'd just be honest about it. But to me, it's like buying a bathroom scale that can read 20 pounds higher or lower than my real weight at any give time. Although it might be nice to have one that always reads 20 pounds lighter. Nevertheless, it still wouldn't mean much.

I think that's why the Vantage scale is 501 - 990 (900-something, anyway, can't remember for sure.) We all love to see those nice high numbers, just like we like to see low numbers on the bathroom scale. If the lowest score you can get is a 501, everybody wins!!

Oh well, as long as I can access my reports, rather than FAKO's, that will have to do I suppose.

Re: Possible Huge Discount On Score Watch?

MarineVietVet — Fri, 01 Apr 2011 03:10:48 GMT

@haulingthescoreup wrote:
Frankly, my guess is that they've phased it out entirely, just as did TU.

Looks to me like the CRA's, led by Experian, are pretty much abandoing the consumer market for FICO's. Why not, when they can make more money off of FAKO's?

I honestly don't care (I know it sounds like I do, lol) if they want to sell FAKO's, if they'd just be honest about it. But to me, it's like buying a bathroom scale that can read 20 pounds higher or lower than my real weight at any give time. Although it might be nice to have one that always reads 20 pounds lighter. Nevertheless, it still wouldn't mean much.

I think that's why the Vantage scale is 501 - 990 (900-something, anyway, can't remember for sure.) We all love to see those nice high numbers, just like we like to see low numbers on the bathroom scale. If the lowest score you can get is a 501, everybody wins!!

Oh well, as long as I can access my reports, rather than FAKO's, that will have to do I suppose.

I can't argue with this logic.

Re: Possible Huge Discount On Score Watch?

JagerBombs89 — Fri, 01 Apr 2011 11:15:46 GMT

@awal wrote:
I'm curious how the EQ Scorewatch stacks up to the Fico Scorewatch in regards to timeliness of alerts.

For me, timely alerts are not a concern. I am pretty much in "gardening" mode and just like to see where I stand.

@haulingthescoreup wrote:
I hope it's still the same product! It always was before, but recently Equifax stopped selling EQ FICO's directly from their site. (Not the Scorewatch product, but a link specifically to buy the FICO score.)

Do let us know if the score you get with it is a FICO.

edited in an attempt to add some clarity

It looks pretty similar to MyFICO except that MyFICO is more user friendly and easier to navigate. EQ ScoreWatch gives the same score, report, etc but is less convenient. But for the difference in price, I will take less convenient I have highlighted the important parts below:

Re: Possible Huge Discount On Score Watch?

Anonymous — Fri, 01 Apr 2011 11:43:07 GMT

I use the NFCU ScoreWatch and it appears to deliver the same Score as the Scorewatch on myFico. I also use the Equifax Complete for three bureau alerts. The Equifax alerts beat the IdentityGuard and CreditKeeper alerts by about 48 hours. It's odd that Scorewatch advertises 2 FICO scores per year with the service since, presumably, your score would be updated throughout the year via Scorewatch alerts. Maybe the scorewatch alerts aren't tracking true FICO score movements and twice a year you receive a score with the full algorithm?

Don't know but, yeah, the NFCU pricing can't be beat. FYI - You don't have to pay the full year in advance to get the $6.95 deal.

Re: CONFIRMED: Huge Discount On Score Watch!

chasmith — Fri, 01 Apr 2011 13:14:26 GMT

You get your new score with the alert when it changes (you need to set your current score as the target so it will alert on any change).

You get two full Scorewatch Reports per year, they are complete reports with all your credit file and information on factors impacting your score, etc.

Re: Possible Huge Discount On Score Watch?

JagerBombs89 — Fri, 01 Apr 2011 14:57:52 GMT

@Anonymous wrote:
I use the NFCU ScoreWatch and it appears to deliver the same Score as the Scorewatch on myFico. I also use the Equifax Complete for three bureau alerts. The Equifax alerts beat the IdentityGuard and CreditKeeper alerts by about 48 hours. It's odd that Scorewatch advertises 2 FICO scores per year with the service since, presumably, your score would be updated throughout the year via Scorewatch alerts. Maybe the scorewatch alerts aren't tracking true FICO score movements and twice a year you receive a score with the full algorithm?

Don't know but, yeah, the NFCU pricing can't be beat. FYI - You don't have to pay the full year in advance to get the $6.95 deal.

Fully Agree!

True you don't have to pay the full year... But the if you buy the entire year, you effective get it at a rate of $5.83 a month, which is roughly $69.95.

Re: Possible Huge Discount On Score Watch?

Anonymous — Fri, 01 Apr 2011 15:32:52 GMT

Oh that's cool. I missed that additional discount calculation for the full year purchase.

Re: Possible Huge Discount On Score Watch?

haulingthescoreup — Fri, 01 Apr 2011 19:58:13 GMT

JagerBomb, it sounds like a winner!

Re: Possible Huge Discount On Score Watch?

fuzzy-bear — Sat, 02 Apr 2011 01:20:20 GMT

MarineV, you can get the stand alone ScorePower score/report from Equ. that is a Fico score by calling their customer service and asking for ScorePower that is Fico based, I believe that their ScorePower(stand alone is again Fico based) but call their customer service dept to confirm that it is Fico first. About $15.95 for the ScorePower score.
I have called customer service and stipulated I wanted ScorePower(fico score) and gotten it. and I also believe I have purchased ScorePower lately and gotten a Fico score and the report with it from their web site.

Remember if you cannot find it, they answer their customer service calls quickly and will get it for you.

Try this number for Equifax 1-877-474-8274

It is simpler to just get it from Myfico(they are exactly the same scorewise)

Re: Possible Huge Discount On Score Watch?

MarineVietVet — Sat, 02 Apr 2011 04:23:09 GMT

@fuzzy-bear wrote:
MarineV, you can get the stand alone ScorePower score/report from Equ. that is a Fico score by calling their customer service and asking for ScorePower that is Fico based, I believe that their ScorePower(stand alone is again Fico based) but call their customer service dept to confirm that it is Fico first. About $15.95 for the ScorePower score.
I have called customer service and stipulated I wanted ScorePower(fico score) and gotten it. and I also believe I have purchased ScorePower lately and gotten a Fico score and the report with it from their web site.
Remember if you cannot find it, they answer their customer service calls quickly and will get it for you.
Try this number for Equifax 1-877-474-8274

It is simpler to just get it from Myfico(they are exactly the same scorewise)

I appreciate the information. Our focus though was on the fact that EQ makes it very difficult (so far impossible for me in the last few weeks) to navigate through their website to buy the EQ FICO score. And it seems intentional since they rolled out their own private EQ score.

Since I only check my scores about twice a year I'll just continue to buy them here. But I'm sure that phone number will help other folks who are also frustrated with trying to buy a FICO score at Equifax.com.

Re: CONFIRMED: Huge Discount On Score Watch!

Anonymous — Sat, 02 Apr 2011 17:29:43 GMT

I went on the website but do not qualify as a member for NFCU but i typed in the search for score watch, clicked the link from there and got the discount

When I log in to my equifax it now says NFCU at the top corner but I was able to get the discount and not be a member.

Re: CONFIRMED: Huge Discount On Score Watch!

Anonymous — Mon, 04 Apr 2011 17:51:57 GMT

Hi,

Hope I'm not bothering you, but can you please send me the link to get Scorewatch for $6.95. I really need this. thanks in advance!

Re: CONFIRMED: Huge Discount On Score Watch!

JagerBombs89 — Sun, 10 Apr 2011 17:01:56 GMT

UPDATE:

So I have found out that EQ ScoreWatch is pretty quick in getting alerts. On April 9th, my mortgage refinance showed up on my EQ report. (per my pull with USAA CreditCheck Premium). The very next day I received a score alert and score update. Update within 24hours is not too bad if you ask me!