@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.
Here's the link to Premier 3B:
http://www.myfico.com/Products/FICO-Premier-3B/
@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?
Your FICO 8 scores are updated here whenever you get an alert of any kind for the bureau in question from your MyFICO monitoring product.
The other FICO scores only update here when a report is pulled.
@Anonymous wrote:
@Anonymous wrote:I just need to see when the report updates. I opened a new 5000 CC to transfer $4000 of debt, and paid off another $4000 in debt. So all but my one new $5000 card will have a balance. I am going to shoot for a mortgage as soon as the other cards report their zero balance.. we really need a house.
It sounds like you want to make sure that (a) your credit cards reports their new balances... and then (b) pull your 3B report with all your scores (which will include the mortgage scores). You want those two things to happen in that order -- don't want B to happen before A.
Happily you can control when B happens to some extent. Although you can't get your 3B report any sooner than 90 days after the last one, you can delay pulling it once you become eligible for a new one.
Can the people who actually use the Ultimate package confirm I am right there?
Yes that's correct.
So your steps should be these:
(1) Find out when the earliest you can pull the report.
(2) Use a free tool like Credit Karma to pull your reports each week until you are certain that your CC balances have definitely updated with EQ and TU Then give it 3 extra business days beyond that in case EX is taking longer.
In my case EX almost always updates before TU & EQ. Also bear in mind that Credit Karma is a weekly service, so you can't really fine tune it that closely.
(3) Then pull your 3B report and get your mortgage scores.