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MyFico is pretty expensive. Is there anyway you can get discounts for the service? Anyway to get annual membership cheaper than $329? I really love the service, and want to keep it, but id rather cut the service to save the thirty bucks....
🙁🙁
I am sure others will offer some good advice on the different myfico options. Personally, I use a combination of CreditKarma, WalletHub and Experian's free service to monitor my credit reports between official annual credit pulls. I get plenty of free FICO scores from my various credit card/FCU memberships. The Experian service also comes with a free monthly EX-08 score. This thread has most of the different options on where free FICO scores are available from:
I have also seen threads about a paid service starting with a trial membership of $1 for pulling all three CRAs. They cancel and get a new trial membership to pull again. Sorry, I don't remember the name of the service. I believe I saw it in the understanding FICO scores sub-forum.
@CreditDunce wrote:I am sure others will offer some good advice on the different myfico options. Personally, I use a combination of CreditKarma, WalletHub and Experian's free service to monitor my credit reports between official annual credit pulls. I get plenty of free FICO scores from my various credit card/FCU memberships. The Experian service also comes with a free monthly EX-08 score. This thread has most of the different options on where free FICO scores are available from:
I have also seen threads about a paid service starting with a trial membership of $1 for pulling all three CRAs. They cancel and get a new trial membership to pull again. Sorry, I don't remember the name of the service. I believe I saw it in the understanding FICO scores sub-forum.
Crap. I forgot i got discover now. I hope that card comes by friday. Than ill buy reports every 4 months or so. But I'll really miss looking at MyFico on a daily basis like a loser Dave Ramsey would want to have an exorcism on.
@Gregory1776 wrote:
I'll buy reports every 4 months or so.
What reports do you plan to buy? You can get EQ and TU weekly for free (Karma) and EX monthly for free (creditscore.com).
Fico. Their not, ill always use them, for fraud purposes. But I want to see what the Lenders will see.
@Gregory1776 wrote:Fico. Their not, ill always use them, for fraud purposes. But I want to see what the Lenders will see.
I'm confused. FICO is a company that makes scores. You mention wanting to buy reports. Reports are different from scores. Reports are free. You don't need to buy reports.
OK. You are planning to buy a 3B report from myFICO every four months for $60 each time. Is that right?
Thinking about it, or just a month, and cancel for 30
What is it that you get from the 3B report that makes you willing to spend so much? You can get FICO 8 scores and reports for free.