CreditCheckTotal

[Anonymous]

I see that too. It must be some kind of glitch because I see fico score for today and it changes to plus randomly.

[Imhotrodcrazy]

Mine still shows Fico 08 for all 3 still.  Tomorrow is my update so I will be checking for sure.  If they change,  I will cancel.

[Anonymous]

I just checked my daily CCT report and it shows as below...

[Anonymous]

This is what my 8/26/2015 3 report showed

[Anonymous]

My daily now is labeled as a plus score, although its still the same as my fico score yesterday. Hopefully they hammer this out or else I'm goiing to cancel as well.

[Revelate]

Probably a bad software push on one of their servers.  Doesn't speak well to their release process but I doubt if they've done a bait and switch, they'd have to refund like everybody and the 3rd party licensing for such a product is kinda straight forward and fixed.  I wouldn't worry about it for now other than contacting and letting em know something ain't right.

[TheConductor]

I agree that this is probably just a software bug.

Remember that Experian also provides the back-end for American Express CreditSecure, which has 3-bureau reports with PLUS scores. So it's a likely scenario that some of the underlying report-analysis code is shared between these systems, but the scoring and display code is supposed to be unique to each service, and someone just merged some code they shouldn't have merged and mixed up the display/scoring code. Or someone accidentally flipped the flags on some customers and made the system think they're signed up for a different product than the one they have.

FWIW, I still see FICO on my dailies and my latest 3-bureau. Waiting a few days before I pull another 3B, but so far I've seen no evidence of this. Hopefully it's just affecting a small subset of their customers and will soon be fixed.

[Anonymous]

Ditto. From all indications, it's a glitch seen by some users; not seeing PLUS mentioned anywhere - all I see is FICO. I just called their help line for another reason, and the opening message mentions CCT now featuring FICO scores. Also, the opening CCT page touts scores being FICOs.

Furthermore, as others have observed, scores being shown still match FICO 8 exactly. Pulled a 3 bureau report two days ago (the 10th) and scores were all spot on.

[Anonymous]

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@Anonymous wrote:

Ha, a GOTCHA!

I have Credit Tracker at the $9.99 rate. Tried the faux cancel for CCT and.. they just cancelled it!

Because I'm already getting a deal on CT.

Oh well. My deal runs out on CT in December, I will cancel CT for real and then try again with CCT. Gardening until then anyway so one bureau is enough to monitor for now.

Lesson for others: cancel your other products with Experian before trying the cancel trick.

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I've subscribed to both (not with discounts at the same time), and quite honestly, while CCT is a great value at the discounted ~$15 rate, especally for those in serious rebuild mode, for those with average to above average scores with few issues, the $9.95 Experian Credit Tracker is sufficient.

For me personally, the 3 bureau reports are becoming less important as my baddies fall off and more positive TLs report - they report to all three, so my scores are getting relatively close to each other. Also, Experian seemingly updates faster, at least from what I've observed, than the other bureaus.

Bottom line, if your credit situation is relatively stable, Experian Credit Tracker may be all you need - $9.95 is a great deal. Combine that with CreditKarma, despite being FAKOs (Vantage Score 3), and you'll have good 3 bureau report coverage.

On a related note, I just did the automated cancel. Went exactly as others have said it would (will know for sure whether it went through when the rebill occurs tomorrow). The 5 year discount rate is bizarre, but hey I'm not going to complain. When prompted to accept, I said Yes  Looking forward to the extended savings.

[Country_Feller]

I checked it out, liked what I saw and went for it. I will try the cancellation trick in a couple of days and will post how it goes.

I called to cancel and got the 50% off for 5yrs. through the automated line. So far I am very happy with the service.