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Best FICO score product

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Anonymous
Not applicable

Best FICO score product

I'm wonder what the best FICO score and report product is. I currently am signed up for the FICO 3B report, but it looks to me as though I only get an updated score and report once a month. I'm not really happy with the fact that I'm paying what I condsider to be a decent amount of money for a serive that only updates once a month. Are there any products out there that update several times a month( or even daily) with a real FICO score and report? 

5 REPLIES 5
grillandwinemaster
Valued Contributor

Re: Best FICO score product

I concur, with the cost of the 3B, it would stand to reason that one could get more updates. Check credit check total. I ell there more reasonably priced. But I personally prefer the MyFico format. Different strokes for different folks.


Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Message 2 of 6
Anonymous
Not applicable

Re: Best FICO score product

With Credit Check Total your individual FICO 08 scores work out to be about 17 cents each:

 

For the $1 trial you get all 3 bureau scores, then in a week when you cancel your membership you still have 3 more days to pull your scores again (so 10 days after the initial pull).  So that's a total of 6 scores for $1, or just under 17 cents per score.

 

So, for $2 per month you could get all 3 of your scores once per week +/- a day or two, however you want to do it.

Message 3 of 6
grillandwinemaster
Valued Contributor

Re: Best FICO score product

Wow Body shots, that's a good break down! Never thought of it that way. I also heard that if you cancel after a month, they will give you a half price break to keep you around. I might give that a shot. 


Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Message 4 of 6
RonM21
Valued Contributor

Re: Best FICO score product

I like CCT myself. I wish MyFIco did a bit more for the cost and so on...


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 5 of 6
Anonymous
Not applicable

Re: Best FICO score product

I'm just more of an a-la-carte type of guy that likes to pay for what I want/use and nothing more.  If I could pick my 7 TV channels out that I actually watch I'd drop the other 993 or whatever I would if it meant that my $150 bill would be $40 or something.  In most situations however, like the cable bill for example, people end up paying for items/services that they don't need, want or ever desire.  This is sort of how I view many FICO information suppliers.  CCT on the other hand provides me exactly what I want and nothing more and is able to do it at a ridiculously acceptable price.

Message 6 of 6
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