topic Re: Cheapest Service for Monitoring FICO? in General Credit Topics

Cheapest Service for Monitoring FICO?

Jazee — Wed, 18 Nov 2020 00:20:38 GMT

In a lot of people's signatures they list, sometimes, like almost every possible FICO and VantageScore. Is there any one service that give you that or close to all that and for how much a month? Or are many people here aggregating data they are getting from many sources? (later.. duh.. just saw the description for myFICO Advanced service after writing this.) Seems like it's easy to see your Vantagescore for one or more lenders as a lot of sites like WalletHub or your own bank give you that.

I've got a really good auto loan payment history so not really concerned about the Auto-specific scores. For credit cards, personal loans, and mortgages what are the most important scores to monitor (FICO 9?) and what's the best place to monitor (best bang for the buck.)? Is there really no competitor to monitor, say your FICO 9 scores from all 3 credit bureaus that is less expensive then myFICO Advanced service?

Thanks

Re: Cheapest Service for Monitoring FICO?

Anonymous — Wed, 18 Nov 2020 00:40:02 GMT

This site, myFICO.com, is the only place i know where you can get all of your true Fico scores. I have the Fico premiere account. I receive all of my scores from all three bureaus monthly. Fico 8s, Fico 9's, Bankcard scores, auto scores, mortgage scores, 2,3,4's etc. most people who have all the scores listed likely have the same.

Re: Cheapest Service for Monitoring FICO?

Anonymous — Wed, 18 Nov 2020 00:41:21 GMT

Vantage scores are generally not used for any actual purpose, receiving credit from lenders. Those are what people reference as Fako's in here.

Re: Cheapest Service for Monitoring FICO?

AllZero — Wed, 18 Nov 2020 01:25:44 GMT

Free mortgage scores

UNOFFICIAL LIST of credit cards and which score they provide

EX2 + 3 Bureau scores and reports for $1 at Experian or CreditCheckTotal (part of Experian). Cancel in 7 days or less to avoid the reoccurring charge.

TU4 WyHy quarterly score. Not sure on membership requirement. Maybe hard pull TU?

EQ5 Get a savings account with DCU. Soft pull EQ to be a member. Free monthly score.

You can also obtain your 3 bureau mortgage scores at . Cancel plan after you obtain your scores and reports to avoid re-occurring monthly charge.

Re: Cheapest Service for Monitoring FICO?

Anonymous — Wed, 18 Nov 2020 01:36:20 GMT

OP are you more concerned with monitoring your Fico scores or your credit reports?

Re: Cheapest Service for Monitoring FICO?

Jazee — Wed, 18 Nov 2020 20:02:41 GMT

@Anonymous wrote:
OP are you more concerned with monitoring your Fico scores or your credit reports?

FICO Scores. I'm already aware currently through April 2021 due to covid you can get your credit reports as often as weekly, for free, from annualcreditreport.com

Re: Cheapest Service for Monitoring FICO?

Jazee — Wed, 18 Nov 2020 20:09:22 GMT

It looks like the best bang for the buck may be Experian's Creditworks Premium for $24.99/month. I believe they provide FICO 8, FICO 2 (Mortgage), FICO Auto 2 and FICO Bankcard 2 scores plus reports for all three bureaus. The Experian scores and reports are updated daily and the other two are updated once a month. While there are other versions of the score that it doesn't cover, that the more expensive MyFICO service provides, I think that's enough for the vast majority of people that want to stay on top of their credit score/history. The daily update is nice as in many cases changes in the credit report on one bureau, are also reflected on one or more of the others so you'd get a very rapid update on changes and then you would be able to confirm if the changes were mirrored at the other two bureaus once a month.

Re: Cheapest Service for Monitoring FICO?

blindambition — Wed, 18 Nov 2020 20:25:40 GMT

Depending where you get Credit Works Premium from, it can be found for $19.99 a month, which is what I pay. Check in the Experian app first.

Re: Cheapest Service for Monitoring FICO?

Jazee — Wed, 18 Nov 2020 21:09:15 GMT

@blindambition wrote:
Depending where you get Credit Works Premium from, it can be found for $19.99 a month, which is what I pay. Check in the Experian app first.

You're right! Through the app it's only $19.99! Thanks!

Re: Cheapest Service for Monitoring FICO?

coldfusion — Wed, 18 Nov 2020 21:18:10 GMT

Another alternative was discussed in this thread where all 28 active FICO scores based on the data from all 3 major CRAs are presented.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-com-starting-new-monitoring-product/m-p/6049036#M298324

Re: Cheapest Service for Monitoring FICO?

blindambition — Wed, 18 Nov 2020 21:30:36 GMT

@coldfusion wrote:
Another alternative was discussed in this thread where all 28 active FICO scores based on the data from all 3 major CRAs are presented.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-com-starting-new-monitoring-product/m-p/6049036#M298324

Theres one downside to Credit.com, you have to unfreeze reports for their service to populate reports.

Re: Cheapest Service for Monitoring FICO?

AllZero — Wed, 18 Nov 2020 23:09:46 GMT

@blindambition wrote:
@coldfusion wrote:
Another alternative was discussed in this thread where all 28 active FICO scores based on the data from all 3 major CRAs are presented.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-com-starting-new-monitoring-product/m-p/6049036#M298324
Theres one downside to Credit.com, you have to unfreeze reports for their service to populate reports.

I think the free Discover website is the same. Report has to be thawed to view FICO score. I haven't used that service for a while.

Re: Cheapest Service for Monitoring FICO?

Anonymous — Thu, 19 Nov 2020 05:34:07 GMT

@Jazee wrote:

@Anonymous wrote:
OP are you more concerned with monitoring your Fico scores or your credit reports?
FICO Scores. I'm already aware currently through April 2021 due to covid you can get your credit reports as often as weekly, for free, from annualcreditreport.com

That's for reports not scores unfortunately

Re: Cheapest Service for Monitoring FICO?

Jazee — Thu, 19 Nov 2020 21:34:25 GMT

The Discover Scorecard is basically just your Experian FICO score after reading the fine print. Correct me if I'm wrong. It says it updates every 30 days whereas I think MyExperian updates your free FICO 8 score daily.

Re: Cheapest Service for Monitoring FICO?

Anonymous — Fri, 27 Nov 2020 17:38:29 GMT

credit.com has all 28 FICO scores for $20 the first month and $25 after. They only update once a month.

Re: Cheapest Service for Monitoring FICO?

TheFIGuy — Fri, 27 Nov 2020 17:47:36 GMT

I pay $213/year for Experian Credit Works Premium. I got lucky I guess with a 15% off lifetime subscription email. Still haven't found something cheaper or better. I can also lock my Experian report which is helpful. Freezing Experian is a PITA IIRC so I prefer locking and freezing EQ and TU.

Re: Cheapest Service for Monitoring FICO?

Anonymous — Mon, 30 Nov 2020 21:26:51 GMT

Unless you're doing it for the purpose of buying a house, in which case the only product worth having is because it will update whenever an alertable change occurs, Experian's CreditWorks Premium service with monthly updates is enough for most people. If you pair it with Credit Karma, you'll have monitoring for all three bureaus.

Re: Cheapest Service for Monitoring FICO?

TheFIGuy — Mon, 30 Nov 2020 21:57:01 GMT

@Anonymous Exactly what I do! + Any credit reports banks want to give me for free.

USB - TU Vantage

NFCU - EQ FICO 9

AMEX - EX FICO 8

BOFA - TU FICO 8

PenFed - EQ FICO 8/9 (IDK yet as it hasn't updated for me lol)

Re: Cheapest Service for Monitoring FICO?

Anonymous — Mon, 30 Nov 2020 22:07:14 GMT

@TheFIGuy wrote:
@Anonymous Exactly what I do! + Any credit reports banks want to give me for free.

USB - TU Vantage
NFCU - EQ FICO 9
AMEX - EX FICO 8
BOFA - TU FICO 8
PenFed - EQ FICO 8/9 (IDK yet as it hasn't updated for me lol)

Yep, I do similar with the free scores. DCU gives me EQ5 so I don't even need to pull my mortgage scores since I know that my middle score is at least 759 (759 EQ5, 785 EX2). NFCU's EQ9 is a nice to have but not many lenders use it.

Honestly I don't even need to pull my scores anymore. AMEX gives me EX8, Disco gives me TU8, Langley gives me EQ8, and Service CU gives me EX2. That covers the major scores.

Re: Cheapest Service for Monitoring FICO?

TheFIGuy — Mon, 30 Nov 2020 22:20:02 GMT

I feel you, if it wasn't for the Experian "Deal" they gave I would just make do with FREE EX monitoring and the bank provided scores. But 213/year is a steal I believe.