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Can’t sign up for My Fico subscription. Is this a good alternative?

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Regular Contributor

Can’t sign up for My Fico subscription. Is this a good alternative?

My Fico said Experian info was not pulling and gave me error code 045 and to call then to resolve then call Fico back to sign up.

I have a free account with Experian that I have no issues using and accessing score and info. No freeze (ever) no disputes. Idk what the problem is.

I want my 3 scores and reports every month. Experian has 24.99 credit works premium option. Is this comparable to the my Fico premium membership?
BK 7 Discharged May 2014, Expected removal Feb 2024



FICO8s Dec 2019



FICO8s Mar 27 2020
Message 1 of 5
4 REPLIES 4
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Valued Contributor

Re: Can’t sign up for My Fico subscription. Is this a good alternative?

CreditWorks is good. The only difference is it won't provide the additional enhanced FICO scores (mortgage, auto, bankcard, FICO9) for TU & EQ - it'll be FICO8 only. You'll get all enhanced scores, except FICO9, for EX tho.
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 03/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 03/2020: EX 793 ✦ EQ 780 ✦ TU 778
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 3.0 years not incl. AU / 3.3 years incl. AU
My AoOA: 7.1 years not incl. AU / 9.1 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 3/12 ✦ TU 1/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 5
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Valued Contributor

Re: Can’t sign up for My Fico subscription. Is this a good alternative?

Also - while all EX scores/report will update daily (huge plus), EQ &TU FICO 8 will only update monthly.
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 03/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 03/2020: EX 793 ✦ EQ 780 ✦ TU 778
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 3.0 years not incl. AU / 3.3 years incl. AU
My AoOA: 7.1 years not incl. AU / 9.1 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 3/12 ✦ TU 1/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 3 of 5
Highlighted
Regular Contributor

Re: Can’t sign up for My Fico subscription. Is this a good alternative?

Ok great! I’m just starting to rebuild and I think fico 8 monthly is a all I need right now.

Thanks for the help.
BK 7 Discharged May 2014, Expected removal Feb 2024



FICO8s Dec 2019



FICO8s Mar 27 2020
Message 4 of 5
Highlighted
Valued Contributor

Re: Can’t sign up for My Fico subscription. Is this a good alternative?

YW! Good luck with your rebuild - I found the daily score/report updates to be invaluable during my rebuild so I think you'll be very happy with the creditworks service.

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 03/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 03/2020: EX 793 ✦ EQ 780 ✦ TU 778
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 3.0 years not incl. AU / 3.3 years incl. AU
My AoOA: 7.1 years not incl. AU / 9.1 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 3/12 ✦ TU 1/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 5 of 5
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