Credit.com Credit Plus Account vs. MyFICO account?

[Anonymous]

Looking to subscribe to one after my discharge. Wanting to use it to monitor my scores, reports, and for rebuilding assistance. Which do you guys recommend?! 

[Anonymous]

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@Anonymous wrote:

Looking to subscribe to one after my discharge. Wanting to use it to monitor my scores, reports, and for rebuilding assistance. Which do you guys recommend?! 

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Welcome to the forum as a new member. MyFICO is an excellent product. This is their forum, too. To catch a glimpse of things for free through APR 2022:

https://www.annualcreditreport.com/

. I'm sure the MyFICO offers more. You just might want to start with what is the real deal, not FAKO's, for free. 🙏🏻

Also, you may want to consider reading this potentially timely and pertinent thread: 

https://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/td-p/1384075

🙏🏻

[Horseshoez]

Maybe I missed it when I looked, but I don't think the annualcreditreport.com site provides even a single FICO score; if I recall correctly, all that site provides is a full credit report from EQ, EX, and TU.

With the above in mind, I signed up for credit.com's ExtraCredit service, it is significantly less expensive than the myFICO Premier service, but as far as I can tell, it provides the exact same level of reporting.

[iv]

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@Horseshoez wrote:

Maybe I missed it when I looked, but I don't think the annualcreditreport.com site provides even a single FICO score; if I recall correctly, all that site provides is a full credit report from EQ, EX, and TU.

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Correct. ACR only offers full reports, but not scores.  The CRAs will try to upsell you on various score products (including PAID VantageScores, sometimes), while you are acessing the reports.  Don't bother with those.

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@Horseshoez wrote:

With the above in mind, I signed up for credit.com's ExtraCredit service, it is significantly less expensive than the myFICO Premier service, but as far as I can tell, it provides the exact same level of reporting.

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Not quite, but closer in some ways than many other services.

It does actually provide the exact same set of FICO scores as myfico.com currently does!

(And that's great, providing alternative access to some of the harder-to-get scores, much like Experian.com does for EX2, etc...)

But... having tried it out (for a nominal $ amount, during beta), it's got some issues.

They provide the same scores as myfico.com, true. Monthly for the full set, but without the ablility to choose when to pull, and without all three always pulling on the same day. (And sometimes randomly failing to pull one or more for a full month...)

There was no monitoring/score alerting for any score model or CRA. (Like myfico.com does with FICO 8 scores.)

Maybe they'll add this later?

Their payment processing... has problems. (For instance, they lost the ability to charge Amex cards, and failed to notice for 3 months!)

And (if it matters to you), their parent company is Progrexion.  The owners of LexingtonLaw...

Take that as you will.

I cancelled during the beta. Only paid about $20 (total) for 9 months, but it wasn't worth it. YMMV.