Most Economical Way to Periodically Check all Three FICO Scores

[Anonymous]

I see that some on this forum are checking all three of their FICO scores many times per year.  What is the best/cheapest way to do this?  It appears in looking at the myFICO site that this would cost me $42 per time that I pull the scores.  Is there a better way if you want to pull the scores frequently?

[Junejer]

Hello Nordic, and welcome to the forums. Please read Credit Scoring 101, if you haven't already.

Well, until Thursday, Suze's kit is 50% off. Follow this to get the discount. Also, whenever you purchase your FICOs, be sure to google myfico discount codes for additional discounts. There is no easy answer.

[laz98]

i'm one of those people you mentioned

i just google myfico discount codes, as byrdman said, & it saves me some money.  i just add it into my budget.

[MattH]

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@Anonymous wrote:
I see that some on this forum are checking all three of their FICO scores many times per year.  What is the best/cheapest way to do this?  It appears in looking at the myFICO site that this would cost me $42 per time that I pull the scores.  Is there a better way if you want to pull the scores frequently?

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What many people do is subscribe to one of several monitoring services that allow frequent access to the REPORTS but not the actual SCORES (usually they do offer a score of their own devising that resembles a FICO score but isn't one, what we on these boards call a FAKO score), then pull actual FICO scores less frequently.  For instance I subscribe to quarterly monitoring on the myfico site, which gives my all three scores four times a year, and also to an Experian service that lets me pull the Experian report and FAKO score any day that I wish.  I do occasionally spring for a FICO score pull in between the quarterly reports, which I know I shouldn't.  In theory, I should only do extra FICO pulls if my Experian report shows something significant has changed since the most recent FICO pull...

[Anonymous]

Can i buy the Suze Orman thing, and not use it right away?  I'd love to save it a few months.  I still have one more credit check on the score watch trial, which I just started yesterday.  I don't need that Suze Orman thing now, but love the deal.

[Anonymous]

Thanks for the Suze info, I was  going to pull EX and TU later today.

But I don't see anything about frequency of pulls allowed.  THis is still a product with annual pulls, Right?

And I also would like to postponme some of my score views.  I just joined score watch on 1/8/09.

[Junejer]

You get three pulls and they reports are viewable for a year. You can use them in any combination that you want.

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AHeavyBalloon wrote:

Thanks for the Suze info, I was  going to pull EX and TU later today.

But I don't see anything about frequency of pulls allowed.  THis is still a product with annual pulls, Right?

And I also would like to postponme some of my score views.  I just joined score watch on 1/8/09.

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[Anonymous]

So you're saying the initial purchse of the Suze Orman kit won't automatically make your first pull?

[Junejer]

correct