topic Cancelling My Fico in myFICO® Product Feedback

Cancelling My Fico

LoveGoodCredit — Thu, 03 Jan 2013 17:34:08 GMT

Sorry to leave you guys, but I am cancelling myfico. There are problems with this service and customer service just wants to argue with you about it and not fix it. I would rather sign up with equifax and get monthly reports instead of having to wait and fight customer service. I have to leave everyone here.

Re: Cancelling My Fico

Anonymous — Thu, 03 Jan 2013 17:39:08 GMT

You don't have to leave. You can cancel the service and still remain on the forums.

Re: Cancelling My Fico

NewbieReed — Thu, 03 Jan 2013 17:43:00 GMT

@Anonymous wrote:
You don't have to leave. You can cancel the service and still remain on the forums.

+1 Ditto. I dont have the service and Im on the forums. Dont leave us behind!

Re: Cancelling My Fico

Jutz — Thu, 03 Jan 2013 17:48:09 GMT

Yeah, the service and the forums are completely independant. I think leaving the ScoreWatch is more of a "graduation" for some people than anything.

Re: Cancelling My Fico

webhopper — Thu, 03 Jan 2013 17:59:18 GMT

There is no need to stop participating in the forum... I went over 6 months without purchasing anything from this site. I didn't need my scores and I get daily 3 bureau reports from another service...

Re: Cancelling My Fico

Oyiwaa — Thu, 03 Jan 2013 18:27:44 GMT

hey,

Hang in there - I don't have MyFico service, but still participate in this forum. It is a valuable resource - so stay around here. You will learn a lot as you continue the rebuilding process.

If you want daily unlimited credit monitoring, USAA is available.

If you want monthly access to your Equifax FICO score, get an M&T bank account, and for about $3.00 per month (or free with a higher balance) you can get a real FICO score every month.

cheers, Oyiwaa.

Re: Cancelling My Fico

LoveGoodCredit — Thu, 03 Jan 2013 18:37:35 GMT

Awesome thanks guys! I am going to look at another service. If I can stay then I am going to stay here this forum is the best forum I have ever been to and all of your advice is invaluable! Thanks for the adivce.

Edited: Where is a good place to get monthly fico scores, anyone? I can get approved now for the house but I have the option to wait a little bit and do more building.

Re: Cancelling My Fico

CasperJack14 — Thu, 03 Jan 2013 19:04:57 GMT

I use Experian. They gave me a rate of around $8 a month and I can pull my report and score as much as I want.

Re: Cancelling My Fico

Anonymous — Thu, 03 Jan 2013 19:18:54 GMT

@LoveGoodCredit wrote:
Awesome thanks guys! I am going to look at another service. If I can stay then I am going to stay here this forum is the best forum I have ever been to and all of your advice is invaluable! Thanks for the adivce.

Edited: Where is a good place to get monthly fico scores, anyone? I can get approved now for the house but I have the option to wait a little bit and do more building.

There is no place for you to purchase all 3 FICO scores. Experian has not sold their FICO score to the consumer since Feb 2009.

You can get a TU FICO at transunioncs.com but it is a TU98 same as this site.

I believe you can still get the FICO at EQ but it is hard to find. Or you can get it on this site.

Also, I have been on this site for 5 years and have never purchased anything. No one has run me off yet.

Re: Cancelling My Fico

LoveGoodCredit — Thu, 03 Jan 2013 19:32:30 GMT

I think my lender pulled a credexpert or something. What scoring model is that? it was two months ago when my Transunion was 604 and when they pulled it it was a 599 which was my previous. NOW Credit Karma showed HUGE point jump and their vantage score has always matched my TU score to the T at 671. I am so curious what my fico is.

Re: Cancelling My Fico

Jutz — Thu, 03 Jan 2013 20:49:13 GMT

@Anonymous wrote:
@LoveGoodCredit wrote:
Awesome thanks guys! I am going to look at another service. If I can stay then I am going to stay here this forum is the best forum I have ever been to and all of your advice is invaluable! Thanks for the adivce.

Edited: Where is a good place to get monthly fico scores, anyone? I can get approved now for the house but I have the option to wait a little bit and do more building.
There is no place for you to purchase all 3 FICO scores. Experian has not sold their FICO score to the consumer since Feb 2009.
You can get a TU FICO at transunioncs.com but it is a TU98 same as this site.

I believe you can still get the FICO at EQ but it is hard to find. Or you can get it on this site.

Also, I have been on this site for 5 years and have never purchased anything. No one has run me off yet.

I've purchased enough for the both of us...

Re: Cancelling My Fico

Jutz — Thu, 03 Jan 2013 20:52:49 GMT

@LoveGoodCredit wrote:
I think my lender pulled a credexpert or something. What scoring model is that? it was two months ago when my Transunion was 604 and when they pulled it it was a 599 which was my previous. NOW Credit Karma showed HUGE point jump and their vantage score has always matched my TU score to the T at 671. I am so curious what my fico is.

I would ignore any score that isn't a FICO. It's not worth the confusion of trying to figure out what one is more accurate. Your lender pulled a FICO score, literally 90% sure about that. Credexpert might be a service they use or something. If it was TU, it was probably TU04, which is not currently for sale to consumers. There's a chance it was TU08 if they've purchased the updated model, and it was almost definitely not TU98, which is what MyFICO offers with Quarterly Monitoring or purchasing your TU score outright.

COMPLETELY ignore the CreditKarma scores, both "transrisk" (FAKO) and Vantage, which was supposed to be a proprietary model done by the CRAs in an attempt to avoid paying FICO. It is used by very few lenders, and I would doubt very much your lender used it.

Re: Cancelling My Fico

Anonymous — Thu, 03 Jan 2013 20:56:45 GMT

I'm thinking about cancelling score watch. I'm so OCD that I usually know what has changed on my report before score watch ever notifies me. If I had all the money that I have spent in the past 3 months on credit reports, I would never be in debt.

Re: Cancelling My Fico

HiLine — Sun, 06 Jan 2013 02:57:09 GMT

@webhopper wrote:
There is no need to stop participating in the forum... I went over 6 months without purchasing anything from this site. I didn't need my scores and I get daily 3 bureau reports from another service...

Congrats on turning green!

Re: Cancelling My Fico

Anonymous — Wed, 24 Apr 2013 14:03:24 GMT

Do you always have to be a SALESMAN?????????