Do my scores update here every time there is a change?

[Anonymous]

I have the FICO Ultimate 3B

If my balances get paid off, or new credit lines get added (and reported) will my score on here update before the "3 month update" on here for me to see? Or do I have to wait three months evertime to see a score update?

[Blodreina]

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@Anonymous wrote:

I have the FICO Ultimate 3B

If my balances get paid off, or new credit lines get added (and reported) will my score on here update before the "3 month update" on here for me to see? Or do I have to wait three months evertime to see a score update?

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You should get alerts if the events are alert triggers.  New accounts and balance updates, for example, both trigger alerts.

[Anonymous]

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@Falere wrote:

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@Anonymous wrote:

I have the FICO Ultimate 3B

If my balances get paid off, or new credit lines get added (and reported) will my score on here update before the "3 month update" on here for me to see? Or do I have to wait three months evertime to see a score update?

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You should get alerts if the events are alert triggers.  New accounts and balance updates, for example, both trigger alerts.

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Great response by Falere.  The only thing I would add is that our OP should be clear that most of his scores will NOT update, even if there is an event trigger.  The mortgage scores won't update, the Bankcard Enhanced scores won't update, the Auto Enhanced scores won't update.  Only FICO 8 classic will update.

I like the products myFICO provides.  But it is worth observing the the $30 package is not the only option on the table.  There is for example a $40/mo package that provides all scores and reports every 30 days, rather than 90.

And at the other end of the spectrum, there are credit monitoring solutions that are cost-free (or almost cost-free).  If our OP wants to explore those there are lots of people who can help with with that.

[Anonymous]

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@Anonymous wrote:

I like the products myFICO provides.  But it is worth observing the the $30 package is not the only option on the table.  There is for example a $40/mo package that provides all scores and reports every 30 days, rather than 90.

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What is that package called? When I look at the available products, the $30 Ultimate 3B is the top option.

[Anonymous]

Send SouthJamaica a private message and ask him for a link to that product.  If I remember right, MF is offering some people that product for a special discounted price of $30, though that might require a bit of know-how to get that offer.

If you can get SJ to comment on this thread then others will be able to see as well.

Bear in mind that's just the highest end one can go -- there's also cost-free options too.

[Anonymous]

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@Anonymous wrote:

Send SouthJamaica a private message and ask him for a link to that product.  If I remember right, MF is offering some people that product for a special discounted price of $30, though that might require a bit of know-how to get that offer.

If you can get SJ to comment on this thread then others will be able to see as well.

Bear in mind that's just the highest end one can go -- there's also cost-free options too.

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Ah, gotcha. Thanks! I've had a 3B subscription for a couple years now and have been biting the bullet and paying for a monthly 3B report between the quarterly updates, I'd loooove to same some money and not have to shell out that extra $48 a month!

[Anonymous]

Can you tell us what you are really wanting in a credit monitoring service?  Is it basically just a way to see if your credit profile is improving in general over time, to be able to see fresh copies of your credit reports at least once a month, and to see your basic FICO 8 scores once a month?

That can be done at almost no cost. 

If on the other hand you want to be able to see all your Auto and Mortgage and Bankcard scores at least every quarter, then there's no real substitute for the $30 or $40 per month myFICO service.

[Anonymous]

I've been using the Ultimate 3B to monitor my profile over time and track all my scores, and have been using the in-between monthly 3B reports to keep tracking the scores. The $40 plan sounds like it's exactly what I'm looking for--what I'm getting with the 3B Ultimate is great, I just wish it updated monthly.

[iv]

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@Anonymous wrote:

I've been using the Ultimate 3B to monitor my profile over time and track all my scores, and have been using the in-between monthly 3B reports to keep tracking the scores. The $40 plan sounds like it's exactly what I'm looking for--what I'm getting with the 3B Ultimate is great, I just wish it updated monthly.

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Good news, then... it's only $30 now: Premier 3B

[Anonymous]

Thanks for the link! Unfortunately it won't let me switch from Ultimate to Premier, so I contacted support.

If I'm actually able to switch subscriptions, that would be fantastic!