topic Re: Should I cancel my "MyFICO" subscription each month? in General Credit Topics

Should I cancel my "MyFICO" subscription each month?

Anonymous — Fri, 04 Mar 2016 18:03:31 GMT

I'm paying $29.95 to MyFICO every month in order to access my credit scores from all three bureaus and a quarterly 3B (Three Bureau) report. I’m not receiving any sort of discount by subscribing continually.

My question is, if I were to cancel each month and ‘resubscribe’ would I receive the 3B report each month. I asked MyFICO directly and the clerk was shocked that I would consider such a thing!

Re: Should I cancel my "MyFICO" subscription each month?

Anonymous — Fri, 04 Mar 2016 18:17:06 GMT

@Anonymous wrote:
I'm paying $29.95 to MyFICO every month in order to access my credit scores from all three bureaus and a quarterly 3B (Three Bureau) report. I’m not receiving any sort of discount by subscribing continually.

My question is, if I were to cancel each month and ‘resubscribe’ would I receive the 3B report each month. I asked MyFICO directly and the clerk was shocked that I would consider such a thing!

I considered myFICO but since I would need 2 subscriptions (one for me and one for my husband) we ended up using Credit Check Total. You can do a 7 day trial for $1 and then if you call to cancelled before your trial ends they will give you 50% off discount. So for the price of one MyFICO subscription we each have a Credit Check Total. You get 3B scores and reports once a month and a daily update of your Experian score and report.

Re: Should I cancel my "MyFICO" subscription each month?

Burned2manybridgesB4 — Fri, 04 Mar 2016 18:29:03 GMT

@Anonymous wrote:
I'm paying $29.95 to MyFICO every month in order to access my credit scores from all three bureaus and a quarterly 3B (Three Bureau) report. I’m not receiving any sort of discount by subscribing continually.

My question is, if I were to cancel each month and ‘resubscribe’ would I receive the 3B report each month. I asked MyFICO directly and the clerk was shocked that I would consider such a thing!

Sending you a PM

Re: Should I cancel my "MyFICO" subscription each month?

DatGurl — Fri, 04 Mar 2016 19:25:46 GMT

I was wondering something similar. Can you please advise any info you learn. Thanks in advance

Re: Should I cancel my "MyFICO" subscription each month?

Anonymous — Fri, 04 Mar 2016 19:33:07 GMT

I pay for both. But my DW only has CCT. I wish they would do what CCT does.

Re: Should I cancel my "MyFICO" subscription each month?

Anonymous — Fri, 04 Mar 2016 20:25:28 GMT

I'm wondering the same. I feel like I have too much. I have EQ monitoring at a discount and then TU and EQ. Maybe I should cancel and just use CCT. Hmmmm. CK gives weekly updates on the other two reports. Just not accurate scores.

Re: Should I cancel my "MyFICO" subscription each month?

takeshi74 — Mon, 07 Mar 2016 13:45:33 GMT

@Anonymous wrote:
My question is, if I were to cancel each month and ‘resubscribe’ would I receive the 3B report each month. I asked MyFICO directly and the clerk was shocked that I would consider such a thing!

Why not just use CCT?

@Anonymous wrote:
CK gives weekly updates on the other two reports. Just not accurate scores.

CK's scores are accurate. Any score is accurate but only for its own model. You cannot use a score generated by one model to determine a score generated by another model whether comparing FAKO to FICO, FICO to FICO or FAKO to FAKO. If you're assuming "accuracy" is how well a given model mimics FICO 8 then you're doing it wrong. If you want to know what your score is for a given model & CRA then you need to pull that specific score.

Different models evaluate report data differently and can have different scoring ranges.

Consider relevance of any model/CRA combo. CK's scores will only be relevant to creditors that use a TU or EQ VantageScore 3.0.