topic Re: myFICO products in General Credit Topics

myFICO products

Anonymous — Sun, 31 Jul 2016 13:48:08 GMT

Morning All

I need to figure out my credit scores from all 3 bureaus. I also need my mortgage score. Which product is best for what I need. I see we have 3 options but I'm not sure which to pick. Thanks in advance.

Re: myFICO products

Anonymous — Sun, 31 Jul 2016 14:26:28 GMT

Fico identity ultimate 3b will give you all your scores and credit reports from all 3 credit bureaus. $30 a month until you cancel you also get updated credit reports every 3 months.

Re: myFICO products

Anonymous — Sun, 31 Jul 2016 15:09:50 GMT

Hi Bunnimom!

I've been thinking about the same thing lately. (Someone, PLEASE correct me if you see any inaccuracies in my thinking) I'm just thinking out loud. kind of. lol

Right now, I have the $30/mo for all three reports and scores from MF. The reports and mortgage scores are only updated quarterly, I believe. Now, with the monitoring, you will know if your Fico 8 scores change, which is cool. All that costs $90 every three months.

I also have CCT for $15/month. They give you 3 bureau reports and scores once per month. The monitoring will also let you know if you have a score change in between. It's a really good value, but no mortgage scores and that's my main interest right now.

I am spending too much for this obsession and need to change it up. I definitely can't keep both and don't need both. I plan to cancel CCT this month right before they will charge me again. I've only kept them both for the last month or two so I could make my decision about which I like better.

MF will let you buy a one time, one bureau report plus all the scores for $20. If I bought a different bureau each month, that would cost $20/month or $60 every three months, and I would still have updates for reports and scores including mortgage scores quarterly. The thing I'd be giving up would be the monitoring, but CK could alert me for free about report changes and I could use to learn to exercise some patience.

Does this make sense? Definitely check my math and logic, but this is what I've been thinking about doing.

I hope this helps. I've been thinking about posting about this, myself. I'm glad you brought it up!

Re: myFICO products

JayTee1 — Sun, 31 Jul 2016 15:29:33 GMT

It should be noted that there is another MyFico plan which gives you all scores, including mortgage, for $40/month. It's called "premium".

I'm getting a mortgage too, so I switched to that and will let my CCT membership run out this month.

Re: myFICO products

Anonymous — Sun, 31 Jul 2016 15:39:56 GMT

@JayTee1 wrote:
It should be noted that there is another MyFico plan which gives you all scores, including mortgage, for $40/month. It's called "premium".

I'm getting a mortgage too, so I switched to that and will let my CCT membership run out this month.

I thought i saw that a couple of weeks ago, but I went to upgrade one day and I couldn't find it again.

That's $120 every 3 months. For me, that money might be better spent saving for down payment or for collection settlement.

Decisions, decisions! It really does depend on your personal goals and situation.

Re: myFICO products

Anonymous — Sun, 31 Jul 2016 15:57:09 GMT

Well......

I went ahead and purchased the ultimate 3b for 29.95/month. They took the money off my credit card and then blocked my access d/t not being able to verify me. Great? cant call them until Monday......Guess I'll wait. Not good when you have already charged by cc.

Re: myFICO products

Anonymous — Sun, 31 Jul 2016 17:44:57 GMT

@Anonymous wrote:
Well......

I went ahead and purchased the ultimate 3b for 29.95/month. They took the money off my credit card and then blocked my access d/t not being able to verify me. Great? cant call them until Monday......Guess I'll wait. Not good when you have already charged by cc.

Authorizations are pending charges; unless the payment posted, all they did was check to see if you had the funds available to guarantee for collecting. It's unlikely they actually charged you without being able to verify identity.

Re: myFICO products

JayTee1 — Sun, 31 Jul 2016 19:41:12 GMT

Re: the premier plan at $40/month, I agree, it can get quite expensive, especially if you have debts you're trying to pay off. I'm also not sure why that plan isn't being advertised. It may be that they offered it for a limited time until they filled up the subscriptions they wanted -- no idea.

I am using this plan until I close on my mortgage. Once I do that, I'll probably go back to CCT at $15/month. I can't imagine after all this time (2.5 years) of rebuilding, and knowing every little change in my credit score that I could go without!

Re: myFICO products

Anonymous — Sun, 31 Jul 2016 19:59:01 GMT

@JayTee1 wrote:
Re: the premier plan at $40/month, I agree, it can get quite expensive, especially if you have debts you're trying to pay off. I'm also not sure why that plan isn't being advertised. It may be that they offered it for a limited time until they filled up the subscriptions they wanted -- no idea.

I am using this plan until I close on my mortgage. Once I do that, I'll probably go back to CCT at $15/month. I can't imagine after all this time (2.5 years) of rebuilding, and knowing every little change in my credit score that I could go without!

Where is the premier plan? I can't find it anywhere!

Re: myFICO products

takeshi74 — Wed, 03 Aug 2016 12:40:33 GMT

There are only 2 products that are relevant if you need all 3 CRA's. The Essentials 1B only provides EQ.

http://www.myfico.com/Products/Products.aspx

With the other 2 it's just a matter of whether you only want a one time purchase or ongoing service.

bunnimom wrote:
I need to figure out my credit scores from all 3 bureaus. I also need my mortgage score.

You have many more than just the 2 scores you mention. Look at the product comparison page. Note that that the † footnote leads to this page:

http://www.myfico.com/Products/FICOScore8Disclaimer.html

@Anonymous wrote:
I am spending too much for this obsession and need to change it up. I definitely can't keep both and don't need both.

If it's too much for your budget then focus on your report data instead of obsessing over numbers. Once you've made improvements to your reports you can perform one time pulls to verify your mortgage scores as needed.

@Anonymous wrote:
MF will let you buy a one time, one bureau report plus all the scores for $20. If I bought a different bureau each month, that would cost $20/month or $60 every three months, and I would still have updates for reports and scores including mortgage scores quarterly.

Link? The only 1B I see is EQ only and it's a monthly service.

@JayTee1 wrote:
It should be noted that there is another MyFico plan which gives you all scores, including mortgage, for $40/month. It's called "premium".

Link?

Re: myFICO products

Grafton88 — Thu, 04 Aug 2016 01:42:26 GMT

The one time report is called FICO Score 1B Report. You can choose which agency you wish to view.

http://www.myfico.com/Products/FICO-Score-1B-Report/

Re: myFICO products

Anonymous — Thu, 04 Aug 2016 04:20:10 GMT

@Anonymous wrote:
@JayTee1 wrote:
Re: the premier plan at $40/month, I agree, it can get quite expensive, especially if you have debts you're trying to pay off. I'm also not sure why that plan isn't being advertised. It may be that they offered it for a limited time until they filled up the subscriptions they wanted -- no idea.

I am using this plan until I close on my mortgage. Once I do that, I'll probably go back to CCT at $15/month. I can't imagine after all this time (2.5 years) of rebuilding, and knowing every little change in my credit score that I could go without!
Where is the premier plan? I can't find it anywhere!

http://www.myfico.com/Products/FICO-Premier-3B/

Re: myFICO products

iv — Fri, 05 Aug 2016 01:40:19 GMT

@Anonymous wrote:
@Anonymous wrote:
@JayTee1 wrote:
Re: the premier plan at $40/month, I agree, it can get quite expensive, especially if you have debts you're trying to pay off. I'm also not sure why that plan isn't being advertised. It may be that they offered it for a limited time until they filled up the subscriptions they wanted -- no idea.

I am using this plan until I close on my mortgage. Once I do that, I'll probably go back to CCT at $15/month. I can't imagine after all this time (2.5 years) of rebuilding, and knowing every little change in my credit score that I could go without!
Where is the premier plan? I can't find it anywhere!
http://www.myfico.com/Products/FICO-Premier-3B/

Yep. Also on the "new" product comparision page: http://www.myfico.com/Products/Productsa.aspx (scroll down).

In addition to the full report being monthly instead of quarterly, it appears to add:

"Dedicated Customer Care line" (haven't tried it)

"New bank account application alerts" (Chex/EWS monitoring, maybe?)

"Bank account takeover alerts" (Looks like the CC transaction monitoring, extended to bank accounts?)

Re: myFICO products

Anonymous — Sat, 26 Nov 2016 21:04:59 GMT

I just bought the Ultimate 3 B and it's very comprehensive. I like it!