Which FICO product do you use?

[tayloreat713]

I'm working on improving my FICO score in order to purchase a house. Which product did/do you have? The monthly subscription or the one time report for $60.00?

[Anonymous]

Forget the one time report.  What you could do is sign up for the quarterly subscription and then cancel.  You've just saved $30.

[tayloreat713]

That's what I thought but this credit repair guy said he needed the report thats $60 in order to provide his recommendations....?

[Anonymous]

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@tayloreat713 wrote:
That's what I thought but this credit repair guy said he needed the report thats $60 in order to provide his recommendations....?

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Well I recommend you order the report and forward it to them unless you want to pay an extra $30 for no reason.

[FireMedic1]

Why get a credit repair guy? You can do it on your own. Theres more than enough info here to tackle any credit problems. Start threads and ask questions. And read read read.........

Helpful hint. You can ask many questions in 1 thread. You'll get better responces that cover everything.

[tayloreat713]

BELIEVE ME!! I'd prefer to do this on my own and with the help of people like you in these forums. At times I feel like I'm making improvements and other times my goal is sooo far away...😔

[CreditInspired]

@firemedic

EXACTLY!

[tayloreat713]

The advice I've been getting on these forums are great!! I'll be putting them into action and doing this on my own. Paying someone 100 per month can go towards my debt.
Thanks!!

[Anonymous]

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@tayloreat713 wrote:
The advice I've been getting on these forums are great!! I'll be putting them into action and doing this on my own. Paying someone 100 per month can go towards my debt.
Thanks!!

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Right!  Good choice.

Likewise, if you are paying anything more than a couple bucks a months for credit monitoring tools, I would scrap those as well.  For example if you are paying $30/mo for the myFICO Ultimate tool, I would scrap that and use free tools to pull your reports and scores.  Funnel that $30 per month toward paying off your debt.

[tayloreat713]

Awesome! Will do!