So, I have had this service for a little over a month.
I overall do like it and the app.
But some of things that we all know of are maddening.
1. Slow or NO updates
2. Simulator for FICO is stuck back to the original soft pull. (was this designed in a high school computer programming class?)
3. On the app it shows the original credit report information from the original pull (not updated)
I Also have USAA daily monitoring. I feel like the two these work together well because I have learned a lot, actually a ton of information in a short time about the algorhthym.
The MYFICO updates are terrible. So, they do rando 3b soft pulls. On my USAA I can do 1 pull per day and get up to the minute information. My thought process in buying 3b monitoring was to A. Optimize my scores B. be in a great position for an auto loan. C. Learn as much about the algorythm as I can to help out friends and family
I would be incensed, no nuclear if my scores said one thing and I know what FIco version the dealer was pulling and it was different than what I saw on my dash after I went there to put myself in the best position possible.
My question is, why can't we just do our own soft pull here daily? I am sure people would pay for it if we had too. It just seems to be an extremely sloppy product. That is not ready to be on the market in my opinion. In all honesty I would probably pull 3 scores annually after I cancel. I do like it. It just seems unpreoffesional to sell this product.
Opinions please?
