topic Re: More Than a Little Upset! in myFICO® Product Feedback

More Than a Little Upset!

GFer — Sat, 14 Jun 2014 03:28:13 GMT

Purchased the Three Score and was prompted if I wanted to purchase Score Watch as well. I did. They counted my 3 Report & the Score Watch as one. So basically I feel like I paid for my Equifax TWICE!!! What a ripoff! Never again!. I'm cancelling the Score Watch as well!.

Re: More Than a Little Upset!

Anonymous — Wed, 25 Jun 2014 21:19:53 GMT

Score Watch© and reports are diffent things. With the Score Watch©, I believe you get 2 Equi reports, initial and one banked. Did you check what you had banked? Perhaps you have 2 there and not one - that way you can hold it until later? I'm not sure how it all works either =P

Re: More Than a Little Upset!

DaveSignal — Wed, 25 Jun 2014 21:53:42 GMT

Score watch is a service for monitoring FICO changes. It works great and updates frequently. It uses one of the 2 free equifax pulls initially, but the best part of it is not really the free equifax pulls.... its the FICO monitoring.

You paid for a 3 report view -and- you paid for Equifax FICO monitoring, which included 1 of 2 annual free reports (unfortunately, you didn't need this report, but you now have regular FICO updates and alerts to credit report changes). I would recommend keeping the SW if you are interested in tracking your FICO score.

Re: More Than a Little Upset!

GFer — Thu, 26 Jun 2014 15:39:27 GMT

Thank you. I do only have one left on the SW. I should have known better...

Re: More Than a Little Upset!

bdhu2001 — Thu, 26 Jun 2014 15:47:19 GMT

@DaveSignal wrote:
Score watch is a service for monitoring FICO changes. It works great and updates frequently. It uses one of the 2 free equifax pulls initially, but the best part of it is not really the free equifax pulls.... its the FICO monitoring.

You paid for a 3 report view -and- you paid for Equifax FICO monitoring, which included 1 of 2 annual free reports (unfortunately, you didn't need this report, but you now have regular FICO updates and alerts to credit report changes). I would recommend keeping the SW if you are interested in tracking your FICO score.

Does score watch give you all three reports and all three scores initially? I saw from another post that it's easy to cancel the subscription. Is it worthwhile ordering for the initial low rate, just because I'm curious and would like to check out the score simulator?

Re: More Than a Little Upset!

DaveSignal — Thu, 26 Jun 2014 20:25:49 GMT

@bdhu2001 wrote:
@DaveSignal wrote:
Score watch is a service for monitoring FICO changes. It works great and updates frequently. It uses one of the 2 free equifax pulls initially, but the best part of it is not really the free equifax pulls.... its the FICO monitoring.

You paid for a 3 report view -and- you paid for Equifax FICO monitoring, which included 1 of 2 annual free reports (unfortunately, you didn't need this report, but you now have regular FICO updates and alerts to credit report changes). I would recommend keeping the SW if you are interested in tracking your FICO score.
Does score watch give you all three reports and all three scores initially? I saw from another post that it's easy to cancel the subscription. Is it worthwhile ordering for the initial low rate, just because I'm curious and would like to check out the score simulator?

It only gives an EQ report. But you could use the trial for this report and check out the score simulator that comes with EQ reports. You can cancel the subscription by calling customer service.

Re: More Than a Little Upset!

bdhu2001 — Thu, 26 Jun 2014 21:06:37 GMT

@DaveSignal wrote:
@bdhu2001 wrote:
@DaveSignal wrote:
Score watch is a service for monitoring FICO changes. It works great and updates frequently. It uses one of the 2 free equifax pulls initially, but the best part of it is not really the free equifax pulls.... its the FICO monitoring.

You paid for a 3 report view -and- you paid for Equifax FICO monitoring, which included 1 of 2 annual free reports (unfortunately, you didn't need this report, but you now have regular FICO updates and alerts to credit report changes). I would recommend keeping the SW if you are interested in tracking your FICO score.
Does score watch give you all three reports and all three scores initially? I saw from another post that it's easy to cancel the subscription. Is it worthwhile ordering for the initial low rate, just because I'm curious and would like to check out the score simulator?
It only gives an EQ report. But you could use the trial for this report and check out the score simulator that comes with EQ reports. You can cancel the subscription by calling customer service.

Thank you. I decided to pay for the one time score & report. It also let me use the simulator and I'm glad I did. I have a one time late(over 4 years ago) for a loan I co-signed on for one of my kids. According to the simulator, nothing that I do will get my score to change (possitively) except more time. That tells me to not rush paying off the last $800 from an introductory offer. In fact, I'll use the 0% interest and pay it off the last month.