In my opinion, as a developer, as a legal professional, as a consumer and if nothing else a dedicated FICO customer, when a person pays for their report, either they should have what they paid for available for good and not removed upon an expiration date set by your system or if you are going to enforce a loss for the consumer at a certain time, give them their money's worth.
You can do this simply by allowing either a fixed or unlimited update of their scores and report from the time they purchase the report until the date you have set for it to expire. The reason is that sometimes by the time a dispute is filed based on your information, it was a waste of time since it comes back from the CRA that they don't have information reported anymore which would have become evident has the person been able to refresh their report before sending out their disputes.
Given the significant amount you charge for the service, it is not too much to ask for this to be done. I know your ultimate goal is to make money and by taking away paid reports and making people pay again and again to get an updated score its a nice cash cow, but when it comes to loyalty, satisfaction, trust in the quality of service, it seems one sided and unfair to the consumer. Now I am going to probably get flamed by people who have recurring monthly setups with you that gives them that option and they might feel that maybe someone should sign up for that instead of complaining, but consider the efficacy of your service if that is the logic we are going to use? See the problem with that kind of thinking?
Ideally, I would like to see: When you purchase the scores, have it be available to you up to a year in full and after that at least show the score. Then use those scores to show a progress chart of some kind so people can visually track and see their progress and dips. Similar to the CreditKarma design which in value in useless but in design is good. Within the first 60 days allow a person to refresh their score and report without another charge at least once if not more. When the report "expires" the period of perks, then offer a discounted price as long as you are within 6 months of the last purchase if you are getting paying for new scores so its not such a big hit to the wallet to get a new update. I guarantee you that even though it seems like alot, in practice you will find the amount of loyalty business, the persistent business and repeated business will more than make up for any concessions you have to make.
Thanks for listening. Or reading I guess 
Within all the verbiage in there, I think I agree with Guardian about the added benefit of updating our FICO scores before our time limit for viewing runs out. In January, I paid off a credit card, but it is still listed thereby affecting my credit score a month later. What good is an old FICO score to me, considering the price we are paying, if it's still the same at the end of the time limit? Is FICO responsible for our getting 'free annual credit reports" without the more useful credit score?
Since Experian, for some reason or other is not going to be included, will FICO be raising the fee for the other two scores?
Thanks.
I always print out my reports so I dont need them to stay on the site, but I think it is nice to see my credit score for the year and I agree a graph would be nice, it is easy to see the progress one is making when we can view all the score we purchase. Also in this time of difficult financial stress I think it would be nice if more discount were given to members to purchase there reports and scores. I for one will not be purchasing as many reports as I did last year if I have to pay regular price, it gets really expensive.