my fico score products

[Anonymous]

just wantede to know what product some of the members were using. i'm only getting my experian score. how do i get my other scores. do i have to sign up to each one seperately

[lyssa29]

great question I'm curious too.  I see everyone posting their scores, but I don't want to pay $30 for all three every time.  I have score watch.  Is there something that monitors all three without having to pay each time I pull it?

[Anonymous]

i dont even know what i have. i know that when i signed up it said it was going to be 89 dollars after the 30 day trial period. I wouldn't mind if it had all 3 scores on it 

[Anonymous]

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jtaveras13 wrote:

i dont even know what i have. i know that when i signed up it said it was going to be 89 dollars after the 30 day trial period. I wouldn't mind if it had all 3 scores on it 

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You signed up for ScoreWatch, that 89.99 will cover a 1 yr subscription on you EQ score.

Unfortunately TU and EX don't have anything like this, you do actually have to pull your reports to get the Fico Scores.  There is a quarterly monitoring product for TU though, that will charge you I think 4.95ish a month and every 3 months you'll get a new TU report and it will track the changes for you in graph form and what not.

EX is really the big pita, they like to make it difficult on us so there's not monitoring service, just pull the report, spread 'em out side by side, and note the changes yourself hehe

Do remember anything you buy this month is 25% off with the coupon code 7yrsale

[lyssa29]

I think that's the scorewatch promotion, that's the one I have and I don't get all three scores, only 1.

When you acctually buy it put in the promo code 7yrsale, it's the one on the header of the main page, it will give you a discount.  mine is now 6.50 a month instead of 8.95.

[Anonymous]

thanks guys for the quick feed back. do you guys think its worth it to pull the other 2 scores?

[Anonymous]

also is there any other way that i can do payment or do i have to pay for the year. this site is a bit confusing.

[Anonymous]

I think initially it's a good idea to pull all three if you can afford it.  This way you can see what accounts show where, some reports may have more or less showing than others do.

Once you know what you have to deal with on all 3, you'll know what you can do to take corrective action (if needed).

Do you have any baddies showing on the EQ report at all? 

Are you repairing or planning to apply for some form of credit?

[Anonymous]

You can cancel your trial during the first 30 days, and go to a monthly plan instead, it'd charge you 8.95 a month instead of 89.95 for 12 months.  So it's a bit more expensive - but it's more managable if you're not in a situation to drop $90 all at once. 

[Anonymous]

yeah i'm going to be leaving as is. i bought the other 2 and i'm so pissed right now. i recently went over the balance on my credit card and at the same time closed on a mortgage. the way these things work is so stupid if you ask me. i just went thru a refinance and applied almost 200k toward the principle and my scores suck. my new mortgage is not showing up, so that prob going to bring my score down even more. this is horrible