topic Re: Credit Check Total in General Credit Topics

Credit Check Total

Anonymous — Fri, 11 Mar 2016 01:42:43 GMT

I made the decision today to cancel my subscription here at myFICO and signed up for CreditCheck Total since they also offer FICO scores and I would have access to a weekly credit report rather than quarterly.

I'm just wondering if anyone has had any experiece with CCT. Are the scores actual FICO scores as advertised?

Re: Credit Check Total

darwin_wins — Fri, 11 Mar 2016 01:48:13 GMT

CCT is good for most people, you get access to EX score everyday and TU & EQ every 30 days. If all you need FICO scores it works out. You can definitely rely on CreditKarma for TU & EQ reports. I personally don't know of any site that provides EX report like CK. CreditSesame used in the past and I believe Credit.com used to provide it too.

Re: Credit Check Total

Anonymous — Fri, 11 Mar 2016 02:39:26 GMT

CCT is definitely fico scores. They just don't provide you other score models. One thing about CCT is that you can pull all bureaus reports every month. Besides that, Experian scores are sometimes updated a few days myFICO does.

Re: Credit Check Total

Anonymous — Fri, 11 Mar 2016 04:03:10 GMT

I love CCT because my Exp score updates daily. Sign up for the $1 trial, then on day 7, call to cancel. When they ask you why, tell them the $29.95 per month is too much. They'll offer you $14.95 a month to stay on.

Re: Credit Check Total

Anonymous — Fri, 11 Mar 2016 19:05:26 GMT

@Anonymous wrote:
I love CCT because my Exp score updates daily. Sign up for the $1 trial, then on day 7, call to cancel. When they ask you why, tell them the $29.95 per month is too much. They'll offer you $14.95 a month to stay on.I did that yesterdayI did that yesterday and yes the offeredIi

I signed up last Friday, called and cancelled yesterday. They offered the $14.95 and I took it. But today, if I want to get back in it says I have to pay $29.95. I'll wait a few days and see if they charge the $14.95 and if I can then get back in. Anyone have this happen?

Re: Credit Check Total

Anonymous — Fri, 11 Mar 2016 19:09:55 GMT

Thank you for the tip! I am currently still in my free-trial, so I will give them a call next week and give that a shot!

Re: Credit Check Total

Anonymous — Fri, 11 Mar 2016 19:23:16 GMT

I signed up last Friday, called and cancelled yesterday. They offered the $14.95 and I took it. But today, if I want to get back in it says I have to pay $29.95. I'll wait a few days and see if they charge the $14.95 and if I can then get back in. Anyone have this happen?

My husband and I both took advantage of the discount and even though the online account shows the full price we were only charged the discounted rate.

Re: Credit Check Total

Anonymous — Fri, 11 Mar 2016 19:30:41 GMT

Good to know. I'll be watching for the charge.

Re: Credit Check Total

Anonymous — Fri, 11 Mar 2016 23:53:52 GMT

Same here. Online has always said the full rate. but only charged 14.95. Do your scores actually change daily because mine never has.

Re: Credit Check Total

Anonymous — Sat, 12 Mar 2016 00:11:30 GMT

Mine changes around statements time

Re: Credit Check Total

Anonymous — Sat, 12 Mar 2016 03:17:00 GMT

I guess they only change when something triggers a change but I've seen increases on back to back days.

Re: Credit Check Total

Anonymous — Sat, 12 Mar 2016 19:05:43 GMT

@darwin_wins wrote:
CCT is good for most people, you get access to EX score everyday and TU & EQ every 30 days. If all you need FICO scores it works out. You can definitely rely on CreditKarma for TU & EQ reports. I personally don't know of any site that provides EX report like CK. CreditSesame used in the past and I believe Credit.com used to provide it too.

Credit.com. Not as detailed as CK, but most of the info you need. As is the case with CK, the scores are useless.

Re: Credit Check Total

Revelate — Sat, 12 Mar 2016 19:39:22 GMT

@Anonymous wrote:
@darwin_wins wrote:
CCT is good for most people, you get access to EX score everyday and TU & EQ every 30 days. If all you need FICO scores it works out. You can definitely rely on CreditKarma for TU & EQ reports. I personally don't know of any site that provides EX report like CK. CreditSesame used in the past and I believe Credit.com used to provide it too.

Credit.com. Not as detailed as CK, but most of the info you need. As is the case with CK, the scores are useless.

Why is everyone suddenly bashing VantageScore? The credit.com Experian educational-score which they use for their main score is useless, but the additional Vantage 3.0 they provide is anything but.

Not useless, some day I can nearly guaruntee you too will get something underwritten with it if you haven't already (they don't have to tell you in many instances and only have to give you one of the scores pulled not all).

Re: Credit Check Total

Anonymous — Sat, 12 Mar 2016 20:13:24 GMT

Oh yeah, I forgot they also offer Vantage 3.0. It's less useless than most.

Re: Credit Check Total

EdMan63 — Sat, 12 Mar 2016 23:06:44 GMT

I use Credit Check Total as well. I have been for several months. I tried myFico but cancelled because Experian scores do not update. My Experian score has improved 80 pts since I signed up 2/16/16. MyFico still has not updated. Plus I like that you get 3 scores once a month instead of every 3 months. The scores were the exact same on both sites so CCT is definitely Fico 8 scores. Your billing amount will always say $29.95 but you will only be billed the $14.95.

Re: Credit Check Total

Anonymous — Sun, 13 Mar 2016 03:40:53 GMT

quick one, if you sign up today, would the monthly pull cycle on this date too? or can it be changed?

Re: Credit Check Total

Thomas_Thumb — Sun, 13 Mar 2016 15:56:45 GMT

@Revelate wrote:
@Anonymous wrote:
@darwin_wins wrote:
CCT is good for most people, you get access to EX score everyday and TU & EQ every 30 days. If all you need FICO scores it works out. You can definitely rely on CreditKarma for TU & EQ reports. I personally don't know of any site that provides EX report like CK. CreditSesame used in the past and I believe Credit.com used to provide it too.

Credit.com. Not as detailed as CK, but most of the info you need. As is the case with CK, the scores are useless.
Why is everyone suddenly bashing VantageScore? The credit.com Experian educational-score which they use for their main score is useless, but the additional Vantage 3.0 they provide is anything but.

Not useless, some day I can nearly guaruntee you too will get something underwritten with it if you haven't already (they don't have to tell you in many instances and only have to give you one of the scores pulled not all).

I call it the risky shift (the one thing I remember from High School psychology)- you reach a critical mass of negativity and it catches fire. Really, not unlike when protests turn into mob violence. Such passionate hatred toward a credit score is somewhat baffling. It is a free tool that can help one identify differences in their credit files and then take action as appropriate - no more, no less

Unfortunately, anti VantageScore appears to have become entrenched within MyFICO.

Re: Credit Check Total

elim — Sun, 13 Mar 2016 16:33:30 GMT

@Revelate wrote:
@Anonymous wrote:
@darwin_wins wrote:
CCT is good for most people, you get access to EX score everyday and TU & EQ every 30 days. If all you need FICO scores it works out. You can definitely rely on CreditKarma for TU & EQ reports. I personally don't know of any site that provides EX report like CK. CreditSesame used in the past and I believe Credit.com used to provide it too.

Credit.com. Not as detailed as CK, but most of the info you need. As is the case with CK, the scores are useless.
Why is everyone suddenly bashing VantageScore? The credit.com Experian educational-score which they use for their main score is useless, but the additional Vantage 3.0 they provide is anything but.

Not useless, some day I can nearly guaruntee you too will get something underwritten with it if you haven't already (they don't have to tell you in many instances and only have to give you one of the scores pulled not all).

My Credit Union pulls TU V3 for membership and all non-mortgage products. I hope Vantage gives Fair Isaac a run for it's money as some competition can't hurt.

Re: Credit Check Total

elim — Sun, 13 Mar 2016 18:52:08 GMT

@Anonymous wrote:
I made the decision today to cancel my subscription here at myFICO and signed up for CreditCheck Total since they also offer FICO scores and I would have access to a weekly credit report rather than quarterly.

I'm just wondering if anyone has had any experiece with CCT. Are the scores actual FICO scores as advertised?

As far as CCT....

I just app'd for a Citi card and CCT let me know there was activity before the approval screen. Email also beat the Citi email.

My last myFICO app alert (last month) came 3 1/2 days after the fact. CCT, CK, and CS were all prompt.

Re: Credit Check Total

tricie17 — Sun, 13 Mar 2016 20:52:39 GMT

I have both. CUT is definitely awesome, with MyFICO you can pull the full picture because of other score versions. It is definitely worth spending the money on both.