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