FICO APP worth it or not?

[Anonymous]

is buying the FICO App to check your credit worth it? Is there a better app?

[dynamicvb]

Are you talking about the myfico subscription from here? If so, I would say it worth it. you get a lot more versions of the credit score than anywhere else I'm aware of. I have the monthly subscription and I'm considering dropping it to the 3 months version, but it was very useful as I've been working on rebuilding my score.

[Anonymous]

@dynamicvb
Yes, thank you I will look into it

[FireMedic1]

I've had for 3 yrs by the advise of my lawyer after BK. Catching 3 collection agencies trying to pull a fast one and they were stopped in their tracks. Lawyer sent letters. Poof, gone off reports.  Even a zombie CA trying to say I owed $700+ from a alert for Discount Tire that I never used or had credit with. Gone in a day thanks to the CFPB and BBB. Makes it worth every penny. Especially coming from low 500's after BK to now and seeing the results. JMO.

[Anonymous]

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@Anonymous wrote:
is buying the FICO App to check your credit worth it? Is there a better app?

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We can answer that better if we understand more about your situation.

There are many free or almost-free tools for getting monthly FICO scores and frequent reports.  The myFICO Ultimate subscription, by way of contrast, costs almost $500 a year.  Many people here on the forums do not pay for it because they'd rather use free options.  I am one such person, and there are others.

There is no right answer.  I will say that if a person thinks he may be buying a house in the next three months, the $40/mo myFICO Ultimate is a great choice.

[Anonymous]

@CreditGuyInDixie
I honestly just wanted to look into it to use the credit score stimulator since credit Karmas is not accurate at all.. I just like looking at things that will make my score increase. I want to lease a car in the next few months that’s about it

[Pikaboo-icu]

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@Anonymous wrote:
@Anonymous
I honestly just wanted to look into it to use the credit score stimulator since credit Karmas is not accurate at all.. I just like looking at things that will make my score increase. I want to lease a car in the next few months that’s about it

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To be honest; I don't believe any credit simulator is very accurate. 

You would probably get better & more accurate predictions asking the score gurus here on the boards.

Not that I'm discounting My Fico's service.. I have it- and to me it's worth the $$.

Good Luck..

CHEERS  

[FireMedic1]

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@Anonymous wrote:
@Anonymous
I honestly just wanted to look into it to use the credit score stimulator since credit Karmas is not accurate at all.. I just like looking at things that will make my score increase. I want to lease a car in the next few months that’s about it

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As I said above. I've had the 3B for 3 years and the simulator is no different than any other. Not accurate. Not even close. save your $ if its more for the simulator. Pay your bills on time. Dont go app crazy. You didnt post any DP's so its hard to tell where your at now or want to be in the future. GL.

[Anonymous]

We can help you.  The simulator will likely give you bad advice.

I suggest you work with us and use some very cheap tools.  Let us know what you'd like to do.

[Anonymous]

@CreditGuyInDixie
Could you look at my new post about my score update?