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Mysticism membership.

Valued Contributor

Mysticism membership.

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....

 

🙁🙁

Message 1 of 18
17 REPLIES 17
Valued Contributor

Re: Mysticism membership.

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:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-to-obtain-FREE-monthly-FICO-scores/...

 

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.

 

Message 2 of 18
Valued Contributor

Re: Mysticism membership.


@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:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-to-obtain-FREE-monthly-FICO-scores/...

 

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.

Message 3 of 18
Super Contributor

Re: Mysticism membership.


@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).

Message 4 of 18
Valued Contributor

Re: Mysticism membership.

Fico. Their not, ill always use them, for fraud purposes. But I want to see what the Lenders will see.

Message 5 of 18
Super Contributor

Re: Mysticism membership.


@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.

Message 6 of 18
Valued Contributor

Re: Mysticism membership.

Screenshot_20170710-234558.png

Message 7 of 18
Super Contributor

Re: Mysticism membership.

OK.  You are planning to buy a 3B report from myFICO every four months for $60 each time.  Is that right?

Message 8 of 18
Valued Contributor

Re: Mysticism membership.

Thinking about it, or just a month, and cancel for 30

Message 9 of 18
Super Contributor

Re: Mysticism membership.

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.

Message 10 of 18
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