@Anonymous wrote:I have myFICO 3B (the $29.95 one), and my husband has CCT, so I can run down the differences.
CCT gives you a 3B report every month -- myFICO gives you a 3B every 3 months
CCT gives you a new EX report and FICO 8 score every day you request it, and EQ, TU FICO 8 scores with the montly 3B report -- myFICO gives you EQ, TU, or EX FICO 8 score with each alert
CCT gives you only FICO 8 scores, myFICO updates all versions of FICO scores every 3 months with your 3B report
They cost the same, although people calling in to cancel CCT will usually be offered half price from what I've heard.
My thoughts: I prefer myFICO's user interface over CCT's. I prefer myFICO 3B overall, although it would be nice to get a 3B report every month. Having said that 3B reports are not the same as getting your actual report, so I am not hung up on getting one more often. But the alerts and the updated FICO 8 scores when they happen are something I do not want to give up at this point, at least not while I'm rebuilding. I also use Experian to get my free EX report and EX score more often than the 3 months. My EX score just went up 26 points and I saw that on the Experian site last Wednesday, but myFICO has yet to notify me since there hasn't been an event that generates an alert since it went up. Since my Cap1 balance is reporting, I would expect to get a myFICO alert Monday or Tuesday that will reflect the score change, so it's really not that bad.
I hope you find the one that works best for you!
Hi Bella
I actually do get the monthly, rather than the quarterly, 3B report,but it costs $10 more a month:
http://www.myfico.com/Products/FICO-Premier-3B/
@SouthJamaica wrote:
@Anonymous wrote:I have myFICO 3B (the $29.95 one), and my husband has CCT, so I can run down the differences.
CCT gives you a 3B report every month -- myFICO gives you a 3B every 3 months
CCT gives you a new EX report and FICO 8 score every day you request it, and EQ, TU FICO 8 scores with the montly 3B report -- myFICO gives you EQ, TU, or EX FICO 8 score with each alert
CCT gives you only FICO 8 scores, myFICO updates all versions of FICO scores every 3 months with your 3B report
They cost the same, although people calling in to cancel CCT will usually be offered half price from what I've heard.
My thoughts: I prefer myFICO's user interface over CCT's. I prefer myFICO 3B overall, although it would be nice to get a 3B report every month. Having said that 3B reports are not the same as getting your actual report, so I am not hung up on getting one more often. But the alerts and the updated FICO 8 scores when they happen are something I do not want to give up at this point, at least not while I'm rebuilding. I also use Experian to get my free EX report and EX score more often than the 3 months. My EX score just went up 26 points and I saw that on the Experian site last Wednesday, but myFICO has yet to notify me since there hasn't been an event that generates an alert since it went up. Since my Cap1 balance is reporting, I would expect to get a myFICO alert Monday or Tuesday that will reflect the score change, so it's really not that bad.
I hope you find the one that works best for you!
Hi Bella
I actually do get the monthly, rather than the quarterly, 3B report,but it costs $10 more a month:
http://www.myfico.com/Products/FICO-Premier-3B/
Me too thanks to SouthJamaica a few months back ;-)
@SouthJamaica wrote:
@Anonymous wrote:I have myFICO 3B (the $29.95 one), and my husband has CCT, so I can run down the differences.
CCT gives you a 3B report every month -- myFICO gives you a 3B every 3 months
CCT gives you a new EX report and FICO 8 score every day you request it, and EQ, TU FICO 8 scores with the montly 3B report -- myFICO gives you EQ, TU, or EX FICO 8 score with each alert
CCT gives you only FICO 8 scores, myFICO updates all versions of FICO scores every 3 months with your 3B report
They cost the same, although people calling in to cancel CCT will usually be offered half price from what I've heard.
My thoughts: I prefer myFICO's user interface over CCT's. I prefer myFICO 3B overall, although it would be nice to get a 3B report every month. Having said that 3B reports are not the same as getting your actual report, so I am not hung up on getting one more often. But the alerts and the updated FICO 8 scores when they happen are something I do not want to give up at this point, at least not while I'm rebuilding. I also use Experian to get my free EX report and EX score more often than the 3 months. My EX score just went up 26 points and I saw that on the Experian site last Wednesday, but myFICO has yet to notify me since there hasn't been an event that generates an alert since it went up. Since my Cap1 balance is reporting, I would expect to get a myFICO alert Monday or Tuesday that will reflect the score change, so it's really not that bad.
I hope you find the one that works best for you!
Hi Bella
I actually do get the monthly, rather than the quarterly, 3B report,but it costs $10 more a month:
http://www.myfico.com/Products/FICO-Premier-3B/
Hi SJ! I know it's available, I was just trying to compare the two $29.95 options. I should have stated that. I've thought about upgrading to the myFICO that updates every month. I actually might now since I have a lot of inquiries falling off in the next 6 months, and it would be nice to watch them disappear! 
@elim wrote:I had both CCT and MF for a year. I kept MF and I'm approaching 3 full years with the service. It works for me because I let my statements cut with balances and pay most in full after they cut (which triggers MF) so I get mega alerts.
With just a few accounts, and only letting a small balance report on one, I wouldn't think MF would be better than CCT, but as far as the 1$ trial... that is to much effort (cancel/renew) for me to save the small amount of cash involved. I have also used CK and CS(sesame) for 3 years.
Hi elim, I totally agree! For me, I would be putting off cancelling, then get charged the full amount. It's too much tracking and having to cancel/renew for me.
@Anonymous wrote:So glad that SouthJ has chimed in with the reminder about the $40/month MF package. I really feel that if a person is going to go as far as the $30/mo package, he should really consider just diving in and going all the way.
To me, the value of getting an attractive 3B report every 30 days (rather than every 90) with every possible FICO score including all the flavors of FICO 9 -- this is a unique and valuable niche that no product package out there is meeting except myFICO.
Obviously my own hyperfrugal temperament still keeps me at the zero-to-ultralow-cost end of the spectrum for credit monitoring solutions, e.g....
Free monthly FICO scores from credit cards
Free monthly reports from Experian
Free weekly reports from EQ and TU
Free Vantage scores from many sources
$1 CCT pulls if I ever need it (haven't used one yet)
$30 myFICO pull (then cancel) to get all my scores every 12-18 months
But that's a temperament issue, not a right/wrong way to be. I can see how attractive the $40 MF package would be for anyone willing to go for it. I see it as an important entry in the array of options.
Hi CreditGuy! I did not know that I could get free weekly reports form EQ and TU. I'm assuming this is through their respective sites? Thank you for posting this! I might do the $40 MF package then, when I don't need to keep as close track of my scores (i.e. post-rebuild, post-mortgage), etc, switch to your method here.
@SouthJamaica wrote:
@Anonymous wrote:I have myFICO 3B (the $29.95 one), and my husband has CCT, so I can run down the differences.
CCT gives you a 3B report every month -- myFICO gives you a 3B every 3 months
CCT gives you a new EX report and FICO 8 score every day you request it, and EQ, TU FICO 8 scores with the montly 3B report -- myFICO gives you EQ, TU, or EX FICO 8 score with each alert
CCT gives you only FICO 8 scores, myFICO updates all versions of FICO scores every 3 months with your 3B report
They cost the same, although people calling in to cancel CCT will usually be offered half price from what I've heard.
My thoughts: I prefer myFICO's user interface over CCT's. I prefer myFICO 3B overall, although it would be nice to get a 3B report every month. Having said that 3B reports are not the same as getting your actual report, so I am not hung up on getting one more often. But the alerts and the updated FICO 8 scores when they happen are something I do not want to give up at this point, at least not while I'm rebuilding. I also use Experian to get my free EX report and EX score more often than the 3 months. My EX score just went up 26 points and I saw that on the Experian site last Wednesday, but myFICO has yet to notify me since there hasn't been an event that generates an alert since it went up. Since my Cap1 balance is reporting, I would expect to get a myFICO alert Monday or Tuesday that will reflect the score change, so it's really not that bad.
I hope you find the one that works best for you!
Hi Bella
I actually do get the monthly, rather than the quarterly, 3B report,but it costs $10 more a month:
http://www.myfico.com/Products/FICO-Premier-3B/
FYI for everyone, when I click on SJ's link, it is showing me that myFICO Premier 3B is $29.95 per month. Is anyone else seeing this? If it's for real, that means it is the same price as Ultimate 3B. I can't find a way to change my subscription online. When I click on it, it tells me I already have an active subscription and it won't put it in my cart. I'm assuming I am going to have to call...