Cheapest Service for Monitoring FICO?

[blindambition]

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@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-...

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

[AllZero]

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@blindambition wrote:

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@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-...

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

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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.

[Anonymous]

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@Jazee wrote:

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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

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That's for reports not scores unfortunately

[Jazee]

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.

[Anonymous]

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

[TheFIGuy]

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.

[Anonymous]

Unless you're doing it for the purpose of buying a house, in which case the only product worth having is FICO Premier 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. 

[TheFIGuy]

@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)

[Anonymous]

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@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)

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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. 

[TheFIGuy]

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.