Cheapest Service for Monitoring FICO?

[Jazee]

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

[Anonymous]

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. 

[Anonymous]

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

[AllZero]

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 FICO Advanced . Cancel plan after you obtain your scores and reports to avoid re-occurring monthly charge.

[Anonymous]

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

[Jazee]

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@Anonymous wrote:

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

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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

[Jazee]

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.

[blindambition]

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.

[Jazee]

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@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.

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

[coldfusion]

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-...