@Anonymous wrote:
This isn't a bait n switch, we signed up two years late.
A company can't go from'easily the best' to not knowing what their doing. The two just don't make sense. Go ahead and name two clearly better options.
More like, they were far and away the best, STILL are the best, just not by 20 miles anymore.
It's not that we were too late. CCT only started offering FICO 8 scores a few months ago. That's why so much talk about CCT on here and elsewhere recently. I signed up for CCT only a few weeks, if even that long, after their switch from Plus to FICO 8. It's been a nice run, and for now, CCT still does most of what I need at far less cost than the various alternatives.
Personally, while I found the 3X month 3B pulls helpful, once per month will work, especially as I've moved along in the rebuilding process. Experian and its score still updates daily on CCT, and often is good enough. Combine CCT with weekly CreditKarma TU / EQ pulls (ignoring Vantage 3 scores; often way off, and not widely used) and one has it covered. Heck, even with CCT 3X 3B pulls, I find myself still using CK as much as ever - and, except for the scoring part, has been spot on every time.
As for Experian Direct emails - not sure what to make of that. Probably a glitch / money saving measure, but something to keep an eye on. For now, CCT still looks and functions the same. Hopefully, it stays that way. Otherwise, it's back to Experian Credit Tracker or some other service entirely...
If MyFICO could get their rate down to around $19.95 for monthly 3B full reports and daily monitoring, they'd have something good. For now, despite the CCT changes, Experian Credit Tracker and CCT are still among the best values out there.
