topic Re: MyFICO verses ??? in General Credit Topics

MyFICO verses ???

Anonymous — Thu, 21 Mar 2013 18:40:21 GMT

I am using the 10 day trial to view my FICO info/credit report. Trial is about to expire. Before I pay for myFICO, are there other alternatives that I should consider? Thank you in advance.

Re: MyFICO verses ???

myjourney — Thu, 21 Mar 2013 18:47:06 GMT

Welcome to the forum

Re: MyFICO verses ???

llecs — Thu, 21 Mar 2013 19:13:42 GMT

@Anonymous wrote:
I am using the 10 day trial to view my FICO info/credit report. Trial is about to expire. Before I pay for myFICO, are there other alternatives that I should consider? Thank you in advance.

What's your goal? To monitor FICO scores? To monitor changes to your credit reports? Both?

Re: MyFICO verses ???

vish1 — Thu, 21 Mar 2013 19:15:37 GMT

@Anonymous wrote:
I am using the 10 day trial to view my FICO info/credit report. Trial is about to expire. Before I pay for myFICO, are there other alternatives that I should consider? Thank you in advance.

I don't think there is a better place to get your scores. You might be able to find coupons online though.

If you had DCU membership, you can get free Equifax FICO score every month.

If you can somehow get to PSECU, you can get free Experian FICO score every month.

Re: MyFICO verses ???

Anonymous — Fri, 22 Mar 2013 04:40:08 GMT

Both, llecs. I wasn't sure what people here use to monitor their profile.

Vish1, not a member of said establishments.

Re: MyFICO verses ???

boomhower — Fri, 22 Mar 2013 07:59:30 GMT

And Walmart card will get you your TU score, with the combo you can get all three every month for free.

OP: I use USAA"s monitoring service. With the premium service you get daily updates of all three reports. It runs around $18 month or $10 for just monthly updates. I like it as my current situation makes daily updates helpful. I get my FICO through DCU so I don't have the motivation on that side. The biggest dowsnide to scorewatch is you only get one CRA and the information can vary between them. Derogs may only hit one and some accounts only report to one or two.

Re: MyFICO verses ???

llecs — Fri, 22 Mar 2013 15:48:16 GMT

@Anonymous wrote:
Both, llecs. I wasn't sure what people here use to monitor their profile.

OP, separate both goals and monitor your credit using different products, one for your CRs and the other for your FICOs. You want to do that because there are no products anywhere that allow you to monitor all 3 FICO scores and that is because EX won't let you buy your EX FICO. In fact, there is no single product that monitors EQ and TU FICOs together. IMO, for best results, find a CMS that monitors all 3 CRs. Ignore the scores and advice since they aren't FICOs. Some CMSs allow you to pull all 3 reports quarterly, some monthly, and some daily. Check out the CMS GUide found stickied here somewhere for some CMS suggestions.

As you see changes to your CRs, then you can come back here and check your FICO to see how that changed. I subscribed to both TUQM and SW. I didn't do so for the alerts, but I did so I could get 30% and 20% discounts. As I saw changes to my CMSs, then I came back here and purchased a new report at a few bucks off.

ETA.....this may help:

You're limited on the places to get your FICO score.

You can only buy your EQ FICO from myFICO, your lender, or from Equifax.com (buyer beware: the scores they push are a FAKO, but your EQ FICO can be purchased through EQ).

You can only buy your TU FICO from myFICO or your lender.

Finally, you can only buy your EX FICO from your lender. As of a few years ago, Experian blocked consumer access to your own EX FICO.

Aside from the above, you can also get your FICO scores for free or at a reduced price. Banks and CUs will offer it as a benefit. M&T Bank, Unitus Community Credit Union, and Digital Credit Union each offer an EQ FICO. You can get your TU FICO from Wal-Mart or Merrick Bank if you have CCs with them. And you can get your EX FICO from PA State Employees Credit Union (PSECU) if you have a checking account with them. There are other CUs out there that will offer a FICO if you ask them as part of a benefit for being a member.

Re: MyFICO verses ???

Anonymous — Fri, 22 Mar 2013 15:55:53 GMT

I came into this thread expecting poetry.

There once was a lad from EQ

who wandered into the land of TU

As he looked round in awe at all that he saw

He said "This is much nicer than EX!"

Re: MyFICO verses ???

llecs — Fri, 22 Mar 2013 16:27:17 GMT