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FICO Ultimate 3B Report Quarterly subscription?

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youdontkillmoney
Valued Contributor

FICO Ultimate 3B Report Quarterly subscription?

Anyone here subscribe to the quarterly myFICO FICO Ultimate 3B Report?

I bought the one time report yesterday, which was the first ever for me to pay for my FICOs (usually use free sites and pay bills on time etc and has worked okay for me).

Wondering if I should subscribe for the quarterly 3B report, which is yearly at around $329 with credit monitiring service; I already have LifeLock ultimate.

I am leaning against, prob. just buy 1-time when needed (prob. buy again next year right before I app for a mortgage).

What has been your experience with the 3B report subscription, did you eventually cancel for some reason etc? 

I figure there is more value for someone who is trying to improve their scores so it can be monitiored, in my case, not much to improve, just maintain...for me it'll just be a "nice to have" but I'd have to add it to my expenses list and it seems like a "luxury" since I kinda know what my scores have been like for the past 24 years, has always been in the high 700"s/low 800s.

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7 REPLIES 7
Thomas_Thumb
Senior Contributor

Re: FICO Ultimate 3B Report Quarterly subscription?

I'd recommend just buying the 3B report on an as desired basis. I purchased one 3/28/15 and then again 7/28/15 to evaluate impact of a known event on all scores.

 

The periodic monitoring is not value add for me - unless free.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 2 of 8
youdontkillmoney
Valued Contributor

Re: FICO Ultimate 3B Report Quarterly subscription?

Thanks. With your FICO scores you must be donig something right! Smiley Happy

Message 3 of 8
takeshi74
Senior Contributor

Re: FICO Ultimate 3B Report Quarterly subscription?

Like many other things it's really up to you to determine if it's worth it to you or not versus just relying on those with experience with the item.  Even those with experience will have differing preferences.  I prefer to focus on the data in my reports and only occaisionally order scores from myFICO as needed.

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Anonymous
Not applicable

Re: FICO Ultimate 3B Report Quarterly subscription?

I agree, for periodic monitoring you only need one bureau, and you can get that cheaper or free elsewhere.

Access to the full summary and all the different scores is a nice product but seems like something you only need in the run up to a big app.
Message 5 of 8
_NERD
Established Contributor

Re: FICO Ultimate 3B Report Quarterly subscription?

Is it cheaper than CCT? Actually, does it serve s different purpose than CCT?

I'm learning still. Thanks.

3B profile optimization in progress...
Message 6 of 8
Anonymous
Not applicable

Re: FICO Ultimate 3B Report Quarterly subscription?


@ShortBus wrote:
Is it cheaper than CCT? Actually, does it serve s different purpose than CCT?

I'm learning still. Thanks.

Go with CCT, its a far better value. Check out the thread on it. Its worth it. Dont sub to myfico its far to expensive, and the alerts are a joke. Daily update + 3 pulls a month is all you need.

Message 7 of 8
_NERD
Established Contributor

Re: FICO Ultimate 3B Report Quarterly subscription?

I've had it for just over a week. I did a manual 3B FICO refresh the other day. I was like "yay", like something awesome was going to happen. Like the wheel on The Price Is Right.

My FICOs didn't change! Hehehe.


3B profile optimization in progress...
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