If you subscribe to MyFICO credit Monitoring?

[Anonymous]

Which one do you use and why? I am trying to have continuous access to live scores.  I'm getting different scores on my phone app than I am on my computer.

[azguy13]

I personally do the 3B monitoring. I like having access to the scores as well as everything reported on each CRA report. Plus, it is something I feel is worth spending the money on. 

[Anonymous]

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@azguy13 wrote:

I personally do the 3B monitoring. I like having access to the scores as well as everything reported on each CRA report. Plus, it is something I feel is worth spending the money on. 

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Is that the one that lets you know immediately when your score changes or can you only update your report occassionally?

[azguy13]

It notifies me whenever my score changes at all. I actually received an email yesterday because my score went up 2 points. I did not have to purchase a new report. 

[Anonymous]

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@azguy13 wrote:

It notifies me whenever my score changes at all. I actually received an email yesterday because my score went up 2 points. I did not have to purchase a new report. 

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I'm trying to figure out which membership is best for right now since i'm trying to rebuild

[stellar]

I believe CCT (credit check total) also gives you FICO scores (or maybe not) and you can update it daily.  It's a lot cheaper. $1 trial and then you call to cancel they give you a discount rate. Idk it might be more important while rebuilding to watch your reports rather than scores.

[azguy13]

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@stellar wrote:

I believe CCT (credit check total) also gives you FICO scores (or maybe not) and you can update it daily.  It's a lot cheaper. $1 trial and then you call to cancel they give you a discount rate. Idk it might be more important while rebuilding to watch your reports rather than scores.

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I agree completely. If there are multiple baddies on OP's report, focus on removing those and not look at the score so much at this point. Heck, you can look at your TU report via CK for free. Just don't pay attention to that Advantage 3 score. 

Also, I believe CCT offers FICO 8 

[Anonymous]

So this is where i'm confused. I currently am subscribed tot he one in the middle, the Ultimate 3B. But it says quarterly access  to 3 bureau report.  I am looking for  constant acces to real time credit reports. Is that the 3B report and is it $59.85 a month or a one time fee?

[Anonymous]

Hello. If you're subscribed to FICO Ultimate 3B, you'll get access to a new, updated 3-bureau credit report and 19 FICO Scores every 3 months. Additionaly, FICO Ultimate 3B monitors your credit reports from all 3 bureaus and alerts you when a change is detected. With each credit report alert, you'll see your updated FICO Score 8 (the most widely used FICO Score version).

FICO Score 3B Report, on the other hand, gives you one-time access to a new, updated 3-bureau credit report and 19 FICO Scores.

Hope that clears things up. Let us know if you have any other questions.  

[Anonymous]

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@Anonymous wrote:

Hello. If you're subscribed to FICO Ultimate 3B, you'll get access to a new, updated 3-bureau credit report and 19 FICO Scores every 3 months. Additionaly, FICO Ultimate 3B monitors your credit reports from all 3 bureaus and alerts you when a change is detected. With each credit report alert, you'll see your updated FICO Score 8 (the most widely used FICO Score version).

FICO Score 3B Report, on the other hand, gives you one-time access to a new, updated 3-bureau credit report and 19 FICO Scores.

Hope that clears things up. Let us know if you have any other questions.  

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That's the one I have, I'm going to stick with it!