Fico score from Equifax

[Denny33142]

I just found this http://www.equifax.com/web-myfico-products/ from the official equifax site, does this give you your real fico score? does it give you score change alerts along with your new score like ScoreWatch does?

It just seems to me that if you get your real fico score along with 3 credit monitoring for the same price of ScoreWatch then it might actually be a better deal for me.

[Anonymous]

tagged

[MarineVietVet]

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@Denny33142 wrote:

I just found this http://www.equifax.com/web-myfico-products/ from the official equifax site, does this give you your real fico score? does it give you score change alerts along with your new score like ScoreWatch does?

It just seems to me that if you get your real fico score along with 3 credit monitoring for the same price of ScoreWatch then it might actually be a better deal for me.

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Yes this is the same EQ Beacon 5.0 found here. And notice that there are 3 different products offered on this page. Study each carefully to see exactly how they differ and if it's something that you need and want.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Booner72]

The guy looks to preppy for me.  I think you could do better than 40 bucks for a 3 in 1 report.  FYI.  I use eliminateIDtheft and get both 3 in 1's for myself and hubby for 18 bucks a month - daily pulls.  Fake scores.

[Denny33142]

I was actually referring to the 3-In-1 Monitoring (the one on the lower left).

[llecs]

OP, I use that same product. It's basically a prepaid plan for 4 EQ FICO scores and reports. You can pull whenever you want too. The score there is the same EQ FICO as here. It doesn't not give you any score alerts or notices of score changes. The only way to know if your score changes is to purchase a new report or use on of the free ones.

BTW, it says 3-in-1 monitoring, and while I get EQ alerts for balance changes, I have never seen any alerts for TU and EX. Now my reports are doing nothing right now so there's nothing to report, but at the least, it won't alert you to balance changes on TU and EX.

[winstars]

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@llecs wrote:

OP, I use that same product. It's basically a prepaid plan for 4 EQ FICO scores and reports. You can pull whenever you want too. The score there is the same EQ FICO as here. It doesn't not give you any score alerts or notices of score changes. The only way to know if your score changes is to purchase a new report or use on of the free ones.

BTW, it says 3-in-1 monitoring, and while I get EQ alerts for balance changes, I have never seen any alerts for TU and EX. Now my reports are doing nothing right now so there's nothing to report, but at the least, it won't alert you to balance changes on TU and EX.

Maybe I am looking at the wrong plan (the 3-in-1 monitoring) but I thought the one with 4 EQ FICO scores was 14.95 per month. How is that prepaid??? Which ever it is can a person subscribe to it and possibly pull the 4 FICO scores over a months time or so and then possibly cancel the service???

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[llecs]

You've got it right. I say pre-paid in that there might be a mechinism in place, like with myFICO, that once you subscribe and start pulling score you might be obligated to X months of payment. I dunno without reading the T&C. Or maybe buy-now-pay-later? Depends on when you pull your scores after subscribing.

[winstars]

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@llecs wrote:

You've got it right. I say pre-paid in that there might be a mechinism in place, like with myFICO, that once you subscribe and start pulling score you might be obligated to X months of payment. I dunno without reading the T&C. Or maybe buy-now-pay-later? Depends on when you pull your scores after subscribing.

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Tried to get to the T&C without buying, no luck... Interesting question though, because this FICO score from EQ is almost secretively placed obscurely on their site, as noted above...