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Use MyFICO or the big 3m

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Anonymous
Not applicable

Use MyFICO or the big 3m

Right now I am a member of each of the big 3s websites (Eq,Ex,TU). I monitor my report and score daily. Would i be better off just using MyFICO for all 3 reports? All 3 reports cost me about $50 a month.

Are the Big 3 really worth having over another?
Message 1 of 6
5 REPLIES 5
FicoNoobiski
Valued Member

Re: Use MyFICO or the big 3m

Credit Secure offered through AMEX and looks like it's run by Experian, offers everyday pull for all 3 bureaus for $25 a month.  Not sure about their monitoring service, but who really needs it if you can just pull your report daily and check for yourself.  And from past experience, those monitoring service are horrible.  Often very late.

 

Truth, however is even though it lets you pull everyday with new reports.  I have read and even experience to some degree, that the reports may not be entirely up to date.  What is touted as everyday pulls, maybe is true for Experian, because the service is through them and I have confirm these pulls as soft inquires on my Experian report, I have gotten a mixed bag with Transunion on several occasion.  Credit Secure would show an older report the same day as the report from Credit Karma.  Thus leads me to believe that Credit Secure, will in fact get pull a new Experian report everyday, the same may not hold true with Transunion, or Equifax.

 

Credit monitoring is just an obsessive compulsive hobby.

Message 2 of 6
Kenny
Moderator Emeritus

Re: Use MyFICO or the big 3m


@Anonymous wrote:
Right now I am a member of each of the big 3s websites (Eq,Ex,TU). I monitor my report and score daily. Would i be better off just using MyFICO for all 3 reports? All 3 reports cost me about $50 a month.

Are the Big 3 really worth having over another?

I really like the 3 bureau monitoring here. I cancelled all of my others and just use the one here. It's a real FICO score, anyway.

Message 3 of 6
Anonymous
Not applicable

Re: Use MyFICO or the big 3m

I would do some searching on this fourm and hear what people have to say and then make your choice but understand that if you choose the  3 breau here that you are locked in for three month even if you do not like the prouduct. If it was me i would stay where you are. IMO 

 

I HOPE THIS HELPS      

Message 4 of 6
Anonymous
Not applicable

Re: Use MyFICO or the big 3m

I cancelled my score watch. Def wasn't worth it. 

Message 5 of 6
Anonymous
Not applicable

Re: Use MyFICO or the big 3m

I am starting to get really annoyed with each bureau giving me alerts for the others. I am thinking of maybe switching to just use one bureau to monitor all 3 instead of each separately.

 

Thoughts on using just experian since they use FICO scoreing???

Message 6 of 6
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