Full report only annually?

[Anonymous]

Hello everyone, I'm a new myFICO customer/forum member.

I just signed up for 'Identity Ultimate' and for the most part (although it's not cheap!) it seems like a great product, and a great replacement for my current TrueCredit.  I really like the user interface and presentation of the information-- it seems the designers put a lot of thought into it.

TrueCredit's 3-bureau alerts are reliable, but of course the scores are FAKOs.  That service, though, will let me pull/view the full 3-bureau report every 30 days (without additional cost/under my regular monthly membership).  

It appears, though, that while Identity Ultimate will send alerts and update scores daily, it will only allow me a to view a new full, 3-bureau report once a year, which is a bit disappointing-- am I understanding correctly?

Thanks!

[xXIDaShizIXx]

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@Anonymous wrote:

Hello everyone, I'm a new myFICO customer/forum member.

I just signed up for 'Identity Ultimate' and for the most part (although it's not cheap!) it seems like a great product, and a great replacement for my current TrueCredit.  I really like the user interface and presentation of the information-- it seems the designers put a lot of thought into it.

TrueCredit's 3-bureau alerts are reliable, but of course the scores are FAKOs.  That service, though, will let me pull/view the full 3-bureau report every 30 days (without additional cost/under my regular monthly membership).  

It appears, though, that while Identity Ultimate will send alerts and update scores daily, it will only allow me a to view a new full, 3-bureau report once a year, which is a bit disappointing-- am I understanding correctly?

Thanks!

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That is what I was wondering before I purchased. I want to make sure I can view updated scores and reports once each month.

[mrldp40]

no monthly reports just score tracking for all 3 score   reports are yearly 

[Kelsey_H]

FICO Identity Ultimate monitors your credit reports and FICO Scores for changes daily. So you will be alerted of most changes in your credit reports and FICO Scores. 

However, we only provide a full new credit report once a year. However, you do get a 30% discount on additional reports.  

[Sneakytiki]

I was thinking about purchasing this to replace USAA Experian Daily Monitoring.

So we get daily score updates but only yearly report updates if I'm understanding that correctly. I'd rather have FICO scores but if the scores aren't updated daily, I'll just stay with USAA since they allow daily reports.

I'm buying a 3 bureau report after some items update and/or are removed. This one also intrigued me though.

[lonelyisland]

The FICO scores update as soon as there is an update. If that's daily, you'll get a daily update, if not it does the score and how long it's been that score.

[Kelsey_H]

I just want to reiterate that you do get credit report alerts - so you'll always know what's changing on your reports. Plus, you can access your alerts in your online account to keep track of changes over time. Not the same as new monthly reports, but still keeps you in the know!  A full report is included annually. 

[mrldp40]

its a great service reasonablly price  the scores tracking is whats important  and alerts  right now its 99%  add DOFD   and it would be perfect  

[Anonymous]

What does DOFD mean?

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@mrldp40 wrote:

its a great service reasonablly price  the scores tracking is whats important  and alerts  right now its 99%  add DOFD   and it would be perfect  

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[mrldp40]

date of first delinquency  so we would know when negatives will drop off report