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Mysticism membership.

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Gregory1776
Valued Contributor

Re: Mysticism membership.

Not sure where your getting the scores for free, i get experian report for free, updated frequently. I'll be able to get TU scores from Discover, but I'm most interested in my experian score. It's my lowest (7 Inquires I guess.) I can get information from CC on my TU AND EQ report, but not ex from CK. 

 

Credit Karma is Vantage score, not fico.

Message 11 of 18
Anonymous
Not applicable

Re: Mysticism membership.

This will give you your FICO 8 score and report from EX each month:

 

https://www.creditscore.com/

 

This will also give your FICO score from Experian for free:

 

https://www.creditscorecard.com/

 

Your Amex card wil also give your EX score for free.

Message 12 of 18
CreditInspired
Community Leader
Super Contributor

Re: Mysticism membership.

The FICO score that @creditdunce could not recall is CreditCheckTotal (CCT). For a 7-day trial, it costs $1. If you don't cancel on Day 7, your CC is automatically charged $29.95/mo. On day 7 when you go to cancel, you will be offered the $14.95/mo rate for an additional year. However, approximately twice a month after you have cancelled the trial, you are offered another $1, 7-day trial again.

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 13 of 18
mitchblue
Valued Contributor

Re: Mysticism membership.

It's been said many time but this is a no-brainer

 

https://www.creditscore.com/ -- Free score and report. Experian only but it's certainly worth using. Imo, the reports on here are ripoffs.

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)
Message 14 of 18
Anonymous
Not applicable

Re: Mysticism membership.

I just cancelled my CCT trial (about 15 mins ago), and was not offered a 50% discount (which I was hoping for)

Message 15 of 18
Anonymous
Not applicable

Re: Mysticism membership.


@Anonymous wrote:

I just cancelled my CCT trial (about 15 mins ago), and was not offered a 50% discount (which I was hoping for)


Then in the meantime, I'd do three things:

 

(1)  Sign up once per month for the CCT $1 trial.  That's one buck a month to get a nice 3B report and all three scores.  You may end up liking that better than paying $15 per month for basically the same thing.

 

(2)  Sign up for all the free tools you have heard mentioned thus far on the thread, specifically:

        creditscore.com  (for EX)

        Credit Karma (for EQ and TU)

You'll have lots of free reports that way as well as a free FICO 8 score from EX.

 

(3)  Start a new thread asking for help on how to get offered the 50% discount.  A number of people should chime in.

Message 16 of 18
Anonymous
Not applicable

Re: Mysticism membership.

Thanks for the suggestions.  I already use Credit Karma - and I use freecreditsocre.com, which appears to be the same as creditscore.com

 

I just really liked the monthly true Fico Scores - so I will try your suggestion.

Message 17 of 18
J-F168
Frequent Contributor

Re: Mysticism membership.

Got discharged with ch7 in december 2016. I have full credit monitorig from myfico, experian.com., equifax.com, creditkarma, and from crdit cards.my scores from MyFico and Experian.com are similar on all 3 ( EX,TU, and EQ). In my humble opinion I would go with myfico.com.. why? because is the fastest in reporting any change in credit score via text your cell and email.

started in low 400's as today 7/29/2017 myfico scrore are EQ 646  TU 629  EX 645.

 

EX 716 - EQ 707 - TU 724
BK 7 D/C Dec '16.
Message 18 of 18
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