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Daily 3B credit pull with FICO score?

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Pikaboo-icu
Valued Contributor

Re: Daily 3B credit pull with FICO score?

I use the ultimate service here at My Fico.

It only pulls reports monthly, however, the alert feature informs you if anything changes on your scores-

New HP, alert, new card listed, alert so to me that's close enough to a daily report/score.

 

Good Luck in your quest.. Personally that would drive me bonkers lol.

I'm already sketchy over the up/down/all around little changes to Fico8- aaa going crazy.gif

 

CHEERS

  


Message 11 of 19
Pikaboo-icu
Valued Contributor

Re: Daily 3B credit pull with FICO score?


@Anonymous wrote:

@NerdfaceKillah wrote:

I used to use USAA's daily three bureau credit pulling service but after they had redesigned the website it went all down hill from there, and I canceled the service.  Does anyone have any other recommendations?  Honestly, price doesn't matter to me but would prefer to keep it around $30/month.  Does such a service even exist?  I found some old threads regarding Credit Check Total, but it appears that they also changed their service not to allow daily 3b pulls/refreshes anymore.  Any suggestions?


The USAA one isn't all that bad.  Though I did like the other version of the website.  I just have the monthly pull that they offer.  I haven't looked into the daily one.  Didn't think they offered that.

 

If you really want to get all 3 for free there are ways to do this.  You could pay for MyFICO and get all three each month.  To get updates more than once a month space out your credit card due dates.  I have noticed that everytime I get a statement that triggers and update.

 

Here are some sites you can try:

 

www.wallethub.com
www.savvymoney.com
reditwise.capitalone.com
www.nerdwallet.com
www.creditkarma.com
www.credit.com
www.mybankrate.com
www.creditscorecard.com
www.myfico.com
www.creditsesame.com
www.quizzle.com
https://usa.experian.com/#/dashboard

 

That's a super nice list!!!

Bookmarked...

 

Thank you. Hats off.gif

  


Message 12 of 19
Anonymous
Not applicable

Re: Daily 3B credit pull with FICO score?


@Pikaboo-icu wrote:

I use the ultimate service here at My Fico....

It only pulls reports monthly, however, the alert feature informs you if anything changes on your scores-



Hi Pikaboo.  Just an FYI... myFICO Ultimate does not alert you if anything changes in your score.  There are lots of ways your score can change, and in a big way, with you receiving no alert of any kind.  The MF tool does alert you some of the time.

 

What the tool actually looks for is not changes to your score but changes to your report.  Some of these changes act as trigger to produce an alert (hey, your report changed in the following way) and when that happens myFICO re-runs your score.  But some of the changes to the report do not trigger an alert, and these un-alterable changes can affect your score (quite a bit).

 

Beyond that, however, it is also possible for your score to change and yet for nothing on your report to have changed.  When an inquiry goes from being 364 days old to 366 days old, the same inquiry is on the report with the same date, but it is no longer being counted by FICO, so the score can change.  Likewise when a person's report remains exactly the same, all of his accounts will age by a month.  When a person's AAoA (Average Age of Accounts crosses from 1.9 to 2.0) that can affect his score.  When his age of oldest (or youngest) account increases that could cause him to be placed into a whole different score card, which could cause his score to change a lot.

 

Anyway, bottom line is that your FICO 8 scores can change a lot without myFICO's alerts telling you.  Just letting you know!

 

 

Message 13 of 19
Anonymous
Not applicable

Re: Daily 3B credit pull with FICO score?


@Anonymous

 

CCT $1 7 day trial - If you need to see your TU and EQ scores.


And EX score, as you get all 3 with a dollar trial.

Message 14 of 19
Anonymous
Not applicable

Re: Daily 3B credit pull with FICO score?


@AnonymousUnfortunately CCT's score simulator hasn't worked for weeks. But I used to use their service for years.

 


There's nothing unfortunate about that.  Simulators are all extremely unreliable.  I always suggest that people stay away from them.

Message 15 of 19
Anonymous
Not applicable

Re: Daily 3B credit pull with FICO score?


@Anonymous wrote:

@Anonymous

 

CCT $1 7 day trial - If you need to see your TU and EQ scores.


And EX score, as you get all 3 with a dollar trial.


I know, but I already get my daily Ex from Ex.
Message 16 of 19
Pikaboo-icu
Valued Contributor

Re: Daily 3B credit pull with FICO score?


@Anonymous wrote:

@Pikaboo-icu wrote:

I use the ultimate service here at My Fico....

It only pulls reports monthly, however, the alert feature informs you if anything changes on your scores-



Hi Pikaboo.  Just an FYI... myFICO Ultimate does not alert you if anything changes in your score.  There are lots of ways your score can change, and in a big way, with you receiving no alert of any kind.  The MF tool does alert you some of the time.

 

What the tool actually looks for is not changes to your score but changes to your report.  Some of these changes act as trigger to produce an alert (hey, your report changed in the following way) and when that happens myFICO re-runs your score.  But some of the changes to the report do not trigger an alert, and these un-alterable changes can affect your score (quite a bit).

 

Beyond that, however, it is also possible for your score to change and yet for nothing on your report to have changed.  When an inquiry goes from being 364 days old to 366 days old, the same inquiry is on the report with the same date, but it is no longer being counted by FICO, so the score can change.  Likewise when a person's report remains exactly the same, all of his accounts will age by a month.  When a person's AAoA (Average Age of Accounts crosses from 1.9 to 2.0) that can affect his score.  When his age of oldest (or youngest) account increases that could cause him to be placed into a whole different score card, which could cause his score to change a lot.

 

Anyway, bottom line is that your FICO 8 scores can change a lot without myFICO's alerts telling you.  Just letting you know!

 

 


 

Ahhhhh

Well poo. LOL

 

You explained it very well, thank you. 

It's all good.. I obsess about it enough I suppose..Smiley Frustrated

 

I'm trying to NOT pay too much attention to those changes because it really does make me too sketchy.

I get the ups & downs even from charging $45 worth of gas on a card I hadn't used in 6 months. Sheesh.

None have dropped below 710 and so I'm good with that. 

It really is often enough for me- whatever it's alerting. lol

 

Anyway- I appreciate the in-depth explanation. Thanks @

 

 

 

  


Message 17 of 19
Anonymous
Not applicable

Re: Daily 3B credit pull with FICO score?


@Anonymous

I know, but I already get my daily Ex from Ex.

Gotcha, when you said "you" (not I) my thought was that you were giving that advice to someone else, not speaking of yourself.

Message 18 of 19
Anonymous
Not applicable

Re: Daily 3B credit pull with FICO score?

My bad, should've been more clear.
Message 19 of 19
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