myFICO® Identity Theft Security Deluxe

[Tuscani]

Just curious if any of you have checked it out?

http://www.myfico.com/Products/IDF/Description.aspx

This product is similar to Score Watch except for it monitors TU instead. I started using it recently and highly recommend!

Key differences between Score Watch and myFICO Identity Theft Security Deluxe

-Score Watch monitors only your Equifax credit report and FICO score while myFICO Identity Theft Security Deluxe monitors only Transunion

-Score Watch monitors for changes every day. myFICO Identity Theft Security Deluxe monitors for changes every three months.

-myFICO Identity Theft Security Deluxe also includes a $25,000, no-deductible identity theft insurance policy and a toll-free help line in case you become a victim of identity theft.  Score Watch does not include these items.

-Score Watch interprets how changes in your Equifax credit report can impact your FICO score. myFICO Identity Theft Security Deluxe interprets how changes in your Transunion credit report can be evidence of identity theft.

-Both products will send you an alert email when changes are detected in your credit report or score. Score Watch can also send an alert text message to your cell phone or wireless device.

[smallfry]

I just got it the other day. I'm a sucker for a cheap FICO report. I'll let you know how it handles my alert situation in the near future. I have a lot of new goodies about to report. The presentation on all the FICO products is very attractive. Might be a tad slower than another SW product but what's a day among friends? Sabe? Funny thing is TC is as quick if not quicker than all the reporting bureaus with their own info. That's a head shaker for me.

[Anonymous]

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@Tuscani wrote:

Just curious if any of you have checked it out?

http://www.myfico.com/Products/IDF/Description.aspx

This product is similar to Score Watch except for it monitors TU instead. I started using it recently and highly recommend!

Key differences between Score Watch and myFICO Identity Theft Security Deluxe

-Score Watch monitors only your Equifax credit report and FICO score while myFICO Identity Theft Security Deluxe monitors only Transunion

-Score Watch monitors for changes every day. myFICO Identity Theft Security Deluxe monitors for changes every three months.

-myFICO Identity Theft Security Deluxe also includes a $25,000, no-deductible identity theft insurance policy and a toll-free help line in case you become a victim of identity theft. Score Watch does not include these items.

-Score Watch interprets how changes in your Equifax credit report can impact your FICO score. myFICO Identity Theft Security Deluxe interprets how changes in your Transunion credit report can be evidence of identity theft.

-Both products will send you an alert email when changes are detected in your credit report or score. Score Watch can also send an alert text message to your cell phone or wireless device.

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Identity Theft seems like a good report but question the value. I have some incorrect items on my report and probably need to move on to a report that monitors my score and gives me a credit report

[Tuscani]

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@Anonymous wrote:

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@Tuscani wrote:

Just curious if any of you have checked it out?

http://www.myfico.com/Products/IDF/Description.aspx

This product is similar to Score Watch except for it monitors TU instead. I started using it recently and highly recommend!

Key differences between Score Watch and myFICO Identity Theft Security Deluxe

-Score Watch monitors only your Equifax credit report and FICO score while myFICO Identity Theft Security Deluxe monitors only Transunion

-Score Watch monitors for changes every day. myFICO Identity Theft Security Deluxe monitors for changes every three months.

-myFICO Identity Theft Security Deluxe also includes a $25,000, no-deductible identity theft insurance policy and a toll-free help line in case you become a victim of identity theft. Score Watch does not include these items.

-Score Watch interprets how changes in your Equifax credit report can impact your FICO score. myFICO Identity Theft Security Deluxe interprets how changes in your Transunion credit report can be evidence of identity theft.

-Both products will send you an alert email when changes are detected in your credit report or score. Score Watch can also send an alert text message to your cell phone or wireless device.

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Identity Theft seems like a good report but question the value. I have some incorrect items on my report and probably need to move on to a report that monitors my score and gives me a credit report

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That is what this product does (TU only).

[Anonymous]

I think this is an under-rated product. I like all the little charts and graphs.

There's only one concern with it: you're supposed to get a 20% discount on additional reports, but if you use the link, the code provided was changed a couple months ago to only give a 10% discount.

I didn't notice that for a while and wound up getting 10% (instead of 20%) on 7 reports.

That said, if there came to be a ScoreWatch-like product for TU, I'd dump this one like a hot potato. I'd also dump TrueCredit.

[smallfry]

Very slow. At least a week behind in inquiries. Useful for the one time $4 TU FICO report only. Truecredit had all the TU info at least 4 days ahead of this product. Sockdrawer this one. LOL.

[Anonymous]

can i cancel it in the first month? via online or phone?

[Tuscani]

Yes, but there is no trial for this like there is for ScoreWatch.

[ah32]

Does this product let you know when your score increases?

[Anonymous]

No. You get your score once per quarter, though.

For those not in the midst of repair or obtaining a mortgage, it's more than sufficient.