topic Re: When you purchase your reports from myfico. . . in General Credit Topics

When you purchase your reports from myfico. . .

Anonymous — Fri, 22 Jun 2007 17:22:57 GMT

do you get to see all three reports? I am still in the 30 day free trial but I think that it will end around the 17th of July. I definetely want to purchase this but wondered if they just show one and I have to purchase the other two.

Re: When you purchase your reports from myfico. . .

Tuscani — Fri, 22 Jun 2007 17:36:37 GMT

I assume you purchased SW? In which case no, SW is good for EQ only.

Re: When you purchase your reports from myfico. . .

Anonymous — Fri, 22 Jun 2007 17:47:53 GMT

smooshiesmom wrote:
do you get to see all three reports? I am still in the 30 day free trial but I think that it will end around the 17th of July. I definetely want to purchase this but wondered if they just show one and I have to purchase the other two.

30 day trial of SW gives you EQ. You have to pay for EX and TU.

I'm on SW now. Helpful hint. Since I get SW updates whenever my FICO score changes, there's appears to be no need for me to ever again purchase my EQ report. Only my EX and TU scores, when I want them. But my EQ score updates serve as a pretty good indicator of where my other scores are.

I also subscribe to TC, and with that I can see everything all the time on all 3 CRs.

$7.12 a month for SW (20% discount code)

$11.21 a month for TC (Walmart link)

$18.37 a month total

Seems the most economical route I've found thus far to know what's on my CRs and what my FICO scores are within a reasonable degree of estimation. Once Wells Fargo and Cap 1 update in the next couple weeks, everything should be reporting at 9% util. I'll pull my FICOs them.

Re: When you purchase your reports from myfico. . .

Anonymous — Fri, 22 Jun 2007 17:52:15 GMT

Whats that discount code again?....

Re: When you purchase your reports from myfico. . .

Tuscani — Fri, 22 Jun 2007 17:53:10 GMT

so_confused wrote:

Whats that discount code again?....

Google is your friend.

Re: When you purchase your reports from myfico. . .

Anonymous — Fri, 22 Jun 2007 17:58:08 GMT

so TC gives you FAKO or FICO's?

Re: When you purchase your reports from myfico. . .

Tuscani — Fri, 22 Jun 2007 18:01:04 GMT

so_confused wrote:

so TC gives you FAKO or FICO's?

FAKO

Re: When you purchase your reports from myfico. . .

Anonymous — Fri, 22 Jun 2007 18:02:26 GMT

So what is the benefit of using TC?

Re: When you purchase your reports from myfico. . .

MidnightVoice — Fri, 22 Jun 2007 18:03:49 GMT

You can see all 3 CRs every day.

And trends in scoring MIGHT be similar

Re: When you purchase your reports from myfico. . .

Anonymous — Fri, 22 Jun 2007 18:06:25 GMT

so_confused wrote:
So what is the benefit of using TC?

With TC, you see your entire CR from all 3 CRAs anytime you want, and you don't pay extra to pull your reports. It's all included in the monthly subscription.

Seeing only your FICO scores is like knowing the patients vitals only (pulse, BP, respiration), and seeing only your EQ FICO is like getting only the pulse.

Seeing your entire CR from all 3 CRAs is like getting a constant and comprehensive analysis of the patients status.

Re: When you purchase your reports from myfico. . .

Anonymous — Fri, 22 Jun 2007 18:06:27 GMT

So the only wat to get real FICO is from myfico? And you get only a snapshot of that moment?

Re: When you purchase your reports from myfico. . .

MidnightVoice — Fri, 22 Jun 2007 18:07:23 GMT

You can get scorewatch which monitors your real EQ FICO score

Re: When you purchase your reports from myfico. . .

Anonymous — Fri, 22 Jun 2007 18:08:48 GMT

oh...I get it now.....Thanks so much...you guys are the best. This info shared is great!!!

Re: When you purchase your reports from myfico. . .

Anonymous — Fri, 22 Jun 2007 18:12:56 GMT

so_confused wrote:
So the only wat to get real FICO is from myfico? And you get only a snapshot of that moment?

I recall reading on CIC that one can buy a real FICO from EQ, and I think TU. For EX, you must go directly to FI. Can't find it though, and I believe they were pricey--like $12-15 for the score only. No report.

FICOs are exactly that. A snapshot of a motion picture that is your credit.

If it's a bloody, slasher, horror film, then the photo will likely show that no matter when you snap the picture.

Mine is a psychological thriller. Still very unnerving day to day, but there might be a happy "Rear Window" ending complete with Grace Kelly.

Re: When you purchase your reports from myfico. . .

Tuscani — Fri, 22 Jun 2007 20:30:50 GMT

so_confused wrote:

oh...I get it now.....Thanks so much...you guys are the best. This info shared is great!!!

Remember to read the Scoring 101 thread as well!

Re: When you purchase your reports from myfico. . .

Anonymous — Fri, 22 Jun 2007 21:01:22 GMT

Ummm Noah, Since Grace Kelly's been dead for about 27 years, if she's at the end it just might not be pretty...

Noah_Bodie wrote:

Mine is a psychological thriller. Still very unnerving day to day, but there might be a happy "Rear Window" ending complete with Grace Kelly.

Re: When you purchase your reports from myfico. . .

MidnightVoice — Fri, 22 Jun 2007 21:09:06 GMT

princessofpink wrote:
Ummm Noah, Since Grace Kelly's been dead for about 27 years, if she's at the end it just might not be pretty...

Noah_Bodie wrote:

Mine is a psychological thriller. Still very unnerving day to day, but there might be a happy "Rear Window" ending complete with Grace Kelly.

I was going to mention something about necrophilia, but I decided against it

Re: When you purchase your reports from myfico. . .

Anonymous — Fri, 22 Jun 2007 22:34:12 GMT

princessofpink wrote:
Ummm Noah, Since Grace Kelly's been dead for about 27 years, if she's at the end it just might not be pretty...

Heh, it's my fantasy, and in my fantasy there's time travel back to when she was in her prime before she met Prince Rainier.

Re: When you purchase your reports from myfico. . .

smallfry — Fri, 22 Jun 2007 22:38:46 GMT

Grace Kelly was a stunner in her day. You can see why a Prince would marry her.

Re: When you purchase your reports from myfico. . .

Anonymous — Fri, 22 Jun 2007 22:59:33 GMT

smallfry wrote:
Grace Kelly was a stunner in her day. You can see why a Prince would marry her.

Things I've watched on VH1, E Network, et al. indicate she was also a bit of a naughty girl.