Having an EX paid subscription makes me realize how infrequent MyFICO's monthly paid subscription updates FICO 8 scores. I know alerts trigger updates, but I thought FICO 8 score changes updated without a triggered alert, part of the subscription. Clearly I'm wrong.
In June I had score changes with EX FICO 8, TU FICO 8 and EQ FICO 8. Found these changes through my EX subscription. And it is clear EX FICO 8, which I see days to weeks before MyFICO updates is communicated much sooner. My EX monthly subscription showed these changes on 6/7 and others for EX throughout the month. Nothing at all and/or timely for any bureau showed these until July and the EQ and TU scores are now different than 6/7. Which means MyFICO never reported these changes. EX, changes, weeks later.
Bottom line, hard to track changes and why with MyFICO due to inconsistent and untimely updates. Although I know it's not designed to help you figure it out, thinking about finally getting rid of this as I can pay for a one time pull and pretty much get what I need from MyFICO unless I'm planning for an app, which still would only require a 1 or 2 month pull. Much less than $32.95 X 12 months for only 4 reports and inconsistent updates to FICO 8. A little disappointed but it is what it is.
I'm sure others may feel different as there are different circumstances. Just thought I'd share my circumstances.
For such a great forum and competition for FICO 8 and a few others scores, you'd think they'd reduce the price AND do better.
@Trudy wrote:Having an EX paid subscription makes me realize how infrequent MyFICO's monthly paid subscription updates FICO 8 scores. I know alerts trigger updates, but I thought FICO 8 score changes updated without a triggered alert, part of the subscription. Clearly I'm wrong.
In June I had score changes with EX FICO 8, TU FICO 8 and EQ FICO 8. Found these changes through my EX subscription. And it is clear EX FICO 8, which I see days to weeks before MyFICO updates is communicated much sooner. My EX monthly subscription showed these changes on 6/7 and others for EX throughout the month. Nothing at all and/or timely for any bureau showed these until July and the EQ and TU scores are now different than 6/7. Which means MyFICO never reported these changes. EX, changes, weeks later.
Bottom line, hard to track changes and why with MyFICO due to inconsistent and untimely updates. Although I know it's not designed to help you figure it out, thinking about finally getting rid of this as I can pay for a one time pull and pretty much get what I need from MyFICO unless I'm planning for an app, which still would only require a 1 or 2 month pull. Much less than $32.95 X 12 months for only 4 reports and inconsistent updates to FICO 8. A little disappointed but it is what it is.
I'm sure others may feel different as there are different circumstances. Just thought I'd share my circumstances.
For such a great forum and competition for FICO 8 and a few others scores, you'd think they'd reduce the price AND do better.
I have the 3 bureau monitoring here, which is quite expensive.
And I have the much less expensive experian.com Credit Watch (not Credit Watch Basic, not Credit Watch Premium, just plain Credit Watch), which for $10 month plus tax gives me daily updates of 7 EX FICO scores and the EX reports. I definitely find the EX service to be a better value.
SJ, I asked about Credit Watch and was told they no longer offer that product. I still have the Credit Works Premium but I do agree that EX is the better product.
CassieCard, not sure. But it is clear to me that Advanced does not update timely which I believe a score change is suppose to do whether it's connected to an alert trigger or not.
@Anonymous wrote:Is there a difference in quality of alerts between FICO Advanced and FICO Premier?
The EQ/TU alerts have been pretty good for me on the $39.95 FICO Premier subscription.
The 2 services are identical except that one gives you quarterly 3-B reports, while the other gives you monthly 3-B reports.
IMHO the alerts suck. To me they are useless.
@Trudy wrote:SJ, I asked about Credit Watch and was told they no longer offer that product. I still have the Credit Works Premium but I do agree that EX is the better product.
Sorry to hear that. I'm not surprised, though, because when I got it I had to ask for it -- they were no longer promoting it on their site.
To me, the Premium isn't worth $15 month more, but what can you do.