topic Re: FICO SCORES in myFICO® Product Feedback

FICO SCORES

Anonymous — Thu, 06 Aug 2009 07:15:46 GMT

Which product to purchase free trial score watch for $8.95 or the standard for $15.95?

Message Edited by mycreditsuck on 08-06-2009 12:15 AM

Re: FICO SCORES

llecs — Thu, 06 Aug 2009 13:36:01 GMT

The $8.95 one is Score Watch and that monitors your EQ report for major changes like new inquiries, new accounts, changes in account statuses, etc. It has its shortcomings in that it won't alert you to baddies falling off, for example. There's a guide stickied within this board that mentions what it will catch. As a subscriber, you get 2 free reports per year from EQ, with the first one being used when you first subscribe to the product. If you want to buy more than 2, then the price is $10.95 per report saving you $5 over the $15.95 pull.

IMHO, even if you don't like SW's quirks and having to reset the target score, etc., the $5 savings makes it worth it if you are frequently following your scores.

Re: FICO SCORES

Anonymous — Fri, 07 Aug 2009 09:14:52 GMT

ok. with score watch should I get the free trial and cancel within the 30-day trial or pay the $8.95?

Re: FICO SCORES

Barry — Fri, 07 Aug 2009 18:58:12 GMT

mycreditsuck wrote:
ok. with score watch should I get the free trial and cancel within the 30-day trial or pay the $8.95?

If you order the "annual" plan and cancel within 30 days, you'll get one report up front and whatever alerts are generated prior to canceling. If you don't cancel, your credit card will be charged $89.95 at the end of the 30 days, and you'll get another report plus alerts during the following year.

If you go with the $8.95/month plan, you'll still get one report initially and another one during the next year -- but there's no initial free trial.

Does that help answer your question, mycreditsuck?

Re: FICO SCORES

Anonymous — Sat, 08 Aug 2009 07:32:54 GMT

Barry- Which one would you opt for?

Re: FICO SCORES

Anonymous — Sat, 08 Aug 2009 15:34:24 GMT

Being a recently new member, I decided to do the free 30 days and have it roll over for the year (89.95.) I mean, for $7.50 a month it is nice to have some piece of mind when I have concerns. It is a small price to pay really.

Re: FICO SCORES

Barry — Wed, 12 Aug 2009 00:30:20 GMT

mycreditsuck wrote:
Barry- Which one would you opt for?

I would base it on how long you'd like to subscribe. I forgot to mention that there's a 3 month minimum for the monthly, but you can cancel anytime after that. So, if you don't think you want it for a full year, I'd suggest the monthly plan. If you want it for a full year, it's cheaper in the long run to go with the annual.