@Anonymous wrote:
@FlaDude wrote:I just got an email from Credit.com, they are starting a new 3B FICO score product. It will undercut existing ones at $25/mo, and I was offered early access pricing at $5/mo for the first year.
I assume the intro offer is sort of a beta test, the email included this:
*Extra Credit is in the testing and validation phase. Some features may not yet be available. Those features will be available soon.
Is there any indication how often the 28 FICO scores are updated?
I've already paid $719.10 for the last 18 months of a myFICO Premier subscription. I consider it 'non-discretionary insurance spend' until I am settled into a new home with mortgage.
Over those same 18 months, I have paid $1,011.06 to Adobe for full access to every app they have. I still can't believe it's only a $300 difference.
Signed up yesterday and it said 30-days and now it says 29. So its safe to say every 30-days.
Keep in mind EQ scores are still not available ("Coming Soon")
@Wavester64 wrote:
@Anonymous wrote:
@FlaDude wrote:I just got an email from Credit.com, they are starting a new 3B FICO score product. It will undercut existing ones at $25/mo, and I was offered early access pricing at $5/mo for the first year.
I assume the intro offer is sort of a beta test, the email included this:
*Extra Credit is in the testing and validation phase. Some features may not yet be available. Those features will be available soon.
Is there any indication how often the 28 FICO scores are updated?
Signed up yesterday and it said 30-days and now it says 29. So its safe to say every 30-days.
Keep in mind EQ scores are still not available ("Coming Soon")
Thanks! That's looking pretty good then. Even if it took them another 3 months to work it all out, it's something to look forward to.
@Anonymous wrote:If they are going to turn this into a paid product, full credit reports would be more appropriate than the credit scorecard they offer now.
The do offer downloaded reports, but you have to select each bureau separately and download each rather than the consolidated report that myFICO provides:
They also only show 4 years of payment history detail. I'm also not sure how they show derogs, there is no "Payment Status" or "Worst Delinquency" row like there is in the myFICO reports. My last 30 day late just fell off my report a couple of weeks ago, otherwise I would be able to see how that would have shown up. The PDF report is pretty basic, no scores and minimal summary, and no PDF bookmarks.
@FlaDude wrote:
@Anonymous wrote:If they are going to turn this into a paid product, full credit reports would be more appropriate than the credit scorecard they offer now.
The do offer downloaded reports, but you have to select each bureau separately and download each rather than the consolidated report that myFICO provides:
They also only show 4 years of payment history detail. I'm also not sure how they show derogs, there is no "Payment Status" or "Worst Delinquency" row like there is in the myFICO reports. My last 30 day late just fell off my report a couple of weeks ago, otherwise I would be able to see how that would have shown up. The PDF report is pretty basic, no scores and minimal summary, and no PDF bookmarks.
Nice. Glad to see they implemented that. That's why I stopped using credit.com was because Experian gave me a real report and I got the other two from CK.