Thanks all - I appreciate the advice 
It is a monitoring service yes, but it also includes a yearly report from each of the 3 bureaus as well or at least mine did! Also yes it is a minimum of 3 months but you don't have to pay the $60 up front they just charge the 20 bucks a month you're just required to keep it at least 3 months, but if you count that up thats $180 worth of scores even if you just get 1 score from each bureau a month 3 months times 3 scores is 9 total, but the big deal is you can get even more than that because if your score changes throughout the month you will be alerted and it will show your new score update. I highly recommend it and think its a great deal, but thats just me...everyone is different
@Anonymous wrote:
@chrisw1968uk wrote:Hi All
Am I reading this correctly? - I can get all 3 Fico Reports every month for $19.95 a month total? - Seems like a heck of a deal to me
Anybody signed up for this?
Yes, that how I got my signature! My signature is a crop of the display of the 3 FICO scores you get with the new product. Highly recommended!
Hey, can a couple of you post your percentiles for all three Bureaus on the FICO 08 Percentile link http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Equifax-FICO-08-percentiles/m-p/3373293#M...
We've all been trying to get a handle on the difference with FICO 04 and 08. I think data will be our friend. I found my percentiles from the mobile app. Here's what I posted
EQ |
| TU |
| EX |
|
782 | 75% | 779 | 74% | 811 | 90%
|
@Anonymous wrote:It is a monitoring service yes, but it also includes a yearly report from each of the 3 bureaus as well or at least mine did! Also yes it is a minimum of 3 months but you don't have to pay the $60 up front they just charge the 20 bucks a month you're just required to keep it at least 3 months, but if you count that up thats $180 worth of scores even if you just get 1 score from each bureau a month 3 months times 3 scores is 9 total, but the big deal is you can get even more than that because if your score changes throughout the month you will be alerted and it will show your new score update. I highly recommend it and think its a great deal, but thats just me...everyone is different
So they only charge the $20? and then $20 every month?
@xXIDaShizIXx wrote:
@Anonymous wrote:It is a monitoring service yes, but it also includes a yearly report from each of the 3 bureaus as well or at least mine did! Also yes it is a minimum of 3 months but you don't have to pay the $60 up front they just charge the 20 bucks a month you're just required to keep it at least 3 months, but if you count that up thats $180 worth of scores even if you just get 1 score from each bureau a month 3 months times 3 scores is 9 total, but the big deal is you can get even more than that because if your score changes throughout the month you will be alerted and it will show your new score update. I highly recommend it and think its a great deal, but thats just me...everyone is different
So they only charge the $20? and then $20 every month?
Yes. But you can cancel anytime after the initial three months and there's a discount if you sign up for an annual subscription (you save $20 buck). Thus, you can try the service for three months, and if you like it, cancel and sign up for the annual or just switch to the annual. Perhaps one or both of those methods would also give you an extra 3 month Bureau report.
On another note, can a couple of you post your percentiles for all three Bureaus on the FICO 08 Percentile link http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Equifax-FICO-08-percentiles/m-p/3373293#M...
We've all been trying to get a handle on the difference with FICO 04 and 08. I think data will be our friend. I found my percentiles from the mobile app. Here's what I posted
EQ |
| TU |
| EX |
|
782 | 75% | 779 | 74% | 811 | 90% |
It would also be great if someone can do that type of experiment where you have 7-9 cards reporting a small balance and then you take it down to 1 card reporting a small balance so that we can see how all the Bureaus FICO 08 scores are affected.
@xXIDaShizIXx wrote:
@Anonymous wrote:It is a monitoring service yes, but it also includes a yearly report from each of the 3 bureaus as well or at least mine did! Also yes it is a minimum of 3 months but you don't have to pay the $60 up front they just charge the 20 bucks a month you're just required to keep it at least 3 months, but if you count that up thats $180 worth of scores even if you just get 1 score from each bureau a month 3 months times 3 scores is 9 total, but the big deal is you can get even more than that because if your score changes throughout the month you will be alerted and it will show your new score update. I highly recommend it and think its a great deal, but thats just me...everyone is different
So they only charge the $20? and then $20 every month?
Yes they charge you the initial $20 and then every 30 days $20. The CSR said that they don't charge the $60 up front they do the regular monthly subscription fee, however, since you are required to keep it for at least 3 months if you were to cancel before then your card would be charged for the remaining balance. The reason for the 3 month min. is that if you were to purchase all 3 of your scores separately then you'd of course pay the $59.95 for them which would be equal to the 3 month subscription, however, the benefit of the subscription means your getting 3 sets of scores for that same price rather than just one Hope that helps to clarify...I had questions at first to so I had a chat with the CSR.
@Anonymous wrote:
@xXIDaShizIXx wrote:
@Anonymous wrote:It is a monitoring service yes, but it also includes a yearly report from each of the 3 bureaus as well or at least mine did! Also yes it is a minimum of 3 months but you don't have to pay the $60 up front they just charge the 20 bucks a month you're just required to keep it at least 3 months, but if you count that up thats $180 worth of scores even if you just get 1 score from each bureau a month 3 months times 3 scores is 9 total, but the big deal is you can get even more than that because if your score changes throughout the month you will be alerted and it will show your new score update. I highly recommend it and think its a great deal, but thats just me...everyone is different
So they only charge the $20? and then $20 every month?
Yes they charge you the initial $20 and then every 30 days $20. The CSR said that they don't charge the $60 up front they do the regular monthly subscription fee, however, since you are required to keep it for at least 3 months if you were to cancel before then your card would be charged for the remaining balance. The reason for the 3 month min. is that if you were to purchase all 3 of your scores separately then you'd of course pay the $59.95 for them which would be equal to the 3 month subscription, however, the benefit of the subscription means your getting 3 sets of scores for that same price rather than just one
They've taken their FICO 3 report view, added monitoring to it, and for kicks and giggles said "hey, why don't you spread the cost over three months instead of paying $60 up-front. As an added incentive, we'll even let you use the FICO simulators for all three Bureaus while you spread out your payments." Tough call on this one for anyone who's ever paid for all three reports.
@bdhu2001 wrote:
@Anonymous wrote:
@xXIDaShizIXx wrote:
@Anonymous wrote:It is a monitoring service yes, but it also includes a yearly report from each of the 3 bureaus as well or at least mine did! Also yes it is a minimum of 3 months but you don't have to pay the $60 up front they just charge the 20 bucks a month you're just required to keep it at least 3 months, but if you count that up thats $180 worth of scores even if you just get 1 score from each bureau a month 3 months times 3 scores is 9 total, but the big deal is you can get even more than that because if your score changes throughout the month you will be alerted and it will show your new score update. I highly recommend it and think its a great deal, but thats just me...everyone is different
So they only charge the $20? and then $20 every month?
Yes they charge you the initial $20 and then every 30 days $20. The CSR said that they don't charge the $60 up front they do the regular monthly subscription fee, however, since you are required to keep it for at least 3 months if you were to cancel before then your card would be charged for the remaining balance. The reason for the 3 month min. is that if you were to purchase all 3 of your scores separately then you'd of course pay the $59.95 for them which would be equal to the 3 month subscription, however, the benefit of the subscription means your getting 3 sets of scores for that same price rather than just one
They've taken their FICO 3 report view, added monitoring to it, and for kicks and giggles said "hey, why don't you spread the cost over three months instead of paying $60 up-front. As an added incentive, we'll even let you use the FICO simulators for all three Bureaus while you spread out your payments." Tough call on this one for anyone who's ever paid for all three reports.
I agree with that for the first 3 months, but I'm looking at it from the perspective of after that I am getting 3 credit scores per month for 19.95 rather than paying 59.95. Even if you don't get a new report each month the alerts let you know if something is amiss and in conclusion I'd say for ppl who are very anal about wanting/needing to know their scores constantly its a great deal, however, on the other hand if its not that important to you and you don't really need to know your scores that often or have no desire for new credit or anything credit related coming up in the near future then I'd say just pocket the 19.95 and wait until you really need it. Then of course there are those of us who just has way too much curiosity and can't resist being able to access all 3 monthly