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thank you, myfico. finally experian....

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Anonymous
Not applicable

Re: thank you, myfico. finally experian....

Ok, so I am trying to see if I understand this correctly...you get daily monitor/alerts on all 3 credit agency PLUS your FICO score from all 3...for 19.95$?...are what kind of scores are these?

Message 11 of 27
EW800
Valued Contributor

Re: thank you, myfico. finally experian....


@Anonymous wrote:

Ok, so I am trying to see if I understand this correctly...you get daily monitor/alerts on all 3 credit agency PLUS your FICO score from all 3...for 19.95$?...are what kind of scores are these?


I am on the phone now with a very kind rep who is assisting me with upgrading to the 3-bureau monitoring product.  She advised that all three scores are FICO 08.  I wish they had an option for FICO 04, but I know that is a whole other topic.  Smiley Happy

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 12 of 27
Anonymous
Not applicable

Re: thank you, myfico. finally experian....

Wow that is awesome! Thinking I am gonna for it too! Smiley Tongue ...but wouldn't this kill their other product for the 3-way report/score single time for 59$

Message 13 of 27
New_Beginning
Frequent Contributor

Re: thank you, myfico. finally experian....


@Anonymous wrote:

Wow that is awesome! Thinking I am gonna for it too! Smiley Tongue ...but wouldn't this kill their other product for the 3-way report/score single time for 59$


I don't think so, the 3 in 1 is just monitoring with one free report annually, the other is a full report whenever you want to pay for it if I understand it correctly.


Starting Score: EQ 615 (MyFICO) TU 588 (Walmart) EX 576 (EX Website) Started this journey 06/26/2014
Current Score: EQ 710 (MyFICO) TU 673 (Walmart) TU 726 (MyFICO) EX 706 (MyFICO) As of Sep 2015
Goal Score: 750 or higher across the board

Take the myFICO Fitness Challenge
Message 14 of 27
SomeGuyOnTheWeb
Regular Contributor

Re: thank you, myfico. finally experian....

So wait. Is this like ScoreWatch except you get all three instead of only EQ?

 

If so, I need to switch immediately.

EQ - 727
TU - 752
EX - 774
Message 15 of 27
EW800
Valued Contributor

Re: thank you, myfico. finally experian....

Yes, there is now the option to have all 3 scores monitored.
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 16 of 27
Anonymous
Not applicable

Re: thank you, myfico. finally experian....

Just bought mine! Smiley Happy

Message 17 of 27
SomeGuyOnTheWeb
Regular Contributor

Re: thank you, myfico. finally experian....


@EW800 wrote:
Yes, there is now the option to have all 3 scores monitored.

Sweet! So from what I gather we have to call and request the upgrade?

EQ - 727
TU - 752
EX - 774
Message 18 of 27
EvilR-T
Frequent Contributor

Re: thank you, myfico. finally experian....

it's nice to see all 3 scores lit up on the iphone app.  I purchased identity basic separately. it saves a whopping 5 cents a month but I did it this way so in 3 months, if I decide it's not worth it, I can always cancel just that portion and not have to resubscribe to the 3 bureau monitoring. I'm using a different cc too just to give Cap1 some monthly use while Barclays gets the score subscription. 

Message 19 of 27
New_Beginning
Frequent Contributor

Re: thank you, myfico. finally experian....

Bought mine! Smiley Very Happy


Starting Score: EQ 615 (MyFICO) TU 588 (Walmart) EX 576 (EX Website) Started this journey 06/26/2014
Current Score: EQ 710 (MyFICO) TU 673 (Walmart) TU 726 (MyFICO) EX 706 (MyFICO) As of Sep 2015
Goal Score: 750 or higher across the board

Take the myFICO Fitness Challenge
Message 20 of 27
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