MyFico VS Triple AdvantageSM Credit Monitoring

eddymvp · ‎03-26-2008

Which one is better,

I have signed up for the 7 days trial version of Triple Advantage at freecreditreport.com and I have received more alerts from them than the 3 months I have been with Myfico. They also notify you from the 3 other CAs. Does anyone have any experience with them?

Anonymous · ‎03-26-2008

That's pretty good. Never heard of TA before. Do they provide Fico or Fako scores?

eddymvp wrote:
Which one is better,

I have signed up for the 7 days trial version of Triple Advantage at freecreditreport.com and I have received more alerts from them than the 3 months I have been with Myfico. They also notify you from the 3 other CAs. Does anyone have any experience with them?

Anonymous · ‎03-26-2008

I think Triple Advantage gives you Experian's PLUS score. I never liked this one as the PLUS score always seemed high compared to true FICO.

Anonymous · ‎03-26-2008

I've had EXP's Triple advantage cms(credit monitoring service) since early October.

I like it because I can pull my EXP cr daily if I choose to. I don't....about once a week, unless something is going on in the area of new cc's.

The scores they provide ARE FAKO scores. Other than serving as a benchmard to measure my monthly FAKO scores with them(up or down) I do not rely on them at all. When I want true FICO scores I come here and pull them.

Overall, I've been really pleased with the service. They report very quickly any new activity, mainly new inq's and new accts. It is serving its purpose.

I'm getting ready to change products to Citi's cms. It looks really attractive.

Chanduwar · ‎03-26-2008

@Anonymous wrote:
I think Triple Advantage gives you Experian's PLUS score. I never liked this one as the PLUS score always seemed high compared to true FICO.

Hi,

What is the difference between the FICO and FAKO scores? Would Experians Plus score be higher than the FICO score?

Anonymous · ‎03-26-2008

Chanuduwar, a FAKO score is generated usually by a Credit Reporting Agency, that is propietary in nature with that particular CRA. It is NOT used by any lender in their credit granting decisions.

A FICO score is used by 90% of the nation's lenders for granting credit. That'a why all of us pay particular attention to our FICO scores we get from here at myFiCO.

eddymvp · ‎03-26-2008

@Chanduwar wrote:

@Anonymous wrote:
I think Triple Advantage gives you Experian's PLUS score. I never liked this one as the PLUS score always seemed high compared to true FICO.

Hi,

What is the difference between the FICO and FAKO scores? Would Experians Plus score be higher than the FICO score?

My EX fico score is 598 and my Ex Fico plus score is 571. So i'm getting a lower score using the plus score.