I will purchase today, thoughts?

[Anonymous]

Hi everyone,

I'm trying to figure out which FICO monitoring I should get.

I want to be able to see my updated scores from EX, EQ and TU anytime i log in, be able to get alerts from changes and what is affecting the changes.  Not interested in vantage scores at the moment, only FICO.

How much do you currently pay for yours, which company and what is included in your package?

Thanks in advanced!

[Anonymous]

Best to get the 3b monitoring here- it gives you true a report with true FICO scores and updates. I had it until recently- saving a little in the short run but will totally subscribe again. Offers multiple versions of the 3b scores. 24.95 a month.

[Anonymous]

http://www.myfico.com/Products/FICO-3-Bureau-Credit-Monitoring/

check it out 

[Anonymous]

FICO® Score 8 from each of the 3 bureaus - So i'll be able to see my scores for EX EQ TU?

One 3-bureau credit report per subscription year - What is this mean? A regular credit report for EX EQ TU per year? Is it three into one (combine) or separate?

Daily monitoring of your 3-bureau credit reports and tracking of FICO Score 8 from all 3 bureaus; and additional FICO® Score versions with your 3-bureau credit report. - This sounds same as above, correct?

[Anonymous]

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@Anonymous wrote:

FICO® Score 8 from each of the 3 bureaus - So i'll be able to see my scores for EX EQ TU? Your actual FICO scores from all three initially and ongoing as things update.

One 3-bureau credit report per subscription year - What is this mean? A regular credit report for EX EQ TU per year? Is it three into one (combine) or separate? This is a detailed report once per year. You get to see inquiries, negative accounts, etc. It's similar to what you get free annually (but that doesn't have the score).

Daily monitoring of your 3-bureau credit reports and tracking of FICO Score 8 from all 3 bureaus; and additional FICO® Score versions with your 3-bureau credit report. - This sounds same as above, correct? This is for updates to your score. If you have new balances reported for example and some movement has happened in your scores, you'll get an update, but not an entirely new report showing everything. Just notifications with a new score. Also, notice it says other scores too. You have many FICO scores with different models. FICO 8 is most commonly used, but other models are used by different institutions for different reasons. (older versions, etc). Some of those are included too.

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[Anonymous]

Thanks!! I purchased the $24.95/month

[damnedanddetermined]

I signed up a few months back for the $24.95 package (all 3 scores, monitoring and the 3B CR......now just to get an updated 3B report its 50 bucks? Is this right or am I reading it wrong?

[Revelate]

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@damnedanddetermined wrote:

I signed up a few months back for the $24.95 package (all 3 scores, monitoring and the 3B CR......now just to get an updated 3B report its 50 bucks? Is this right or am I reading it wrong?

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$41 and small change if we're talking MF 3B report.  $13 and change for single bureau, assuming you're using the monitoring solution.

Not sure on CCT personally.

[NRB525]

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@damnedanddetermined wrote:

I signed up a few months back for the $24.95 package (all 3 scores, monitoring and the 3B CR......now just to get an updated 3B report its 50 bucks? Is this right or am I reading it wrong?

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This is correct, however the full CR you got initially has been updating and evolving based mostly on the alerts you have been getting, so you really don't need the full detailed report yet. The only items that aren't shown in the alerts are when certain aged negatives fall off, or other subtle changes in the file.