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myFico - FAIL - CreditKarma sent Alert and myFico sends nothing

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Re: myFico - FAIL - CreditKarma sent Alert and myFico sends nothing

Thanks to this thread, I took a look at CCT. Their current oiffer to sign up for $1 for 7 days, converts automatically into $29.95/mo. Didn't see anything for $17/mo; did I miss something?  I already have myFICO Identity Ultimate, and while not the fastest, it seems pretty thorough [and it's cheaper than CCT's 30/mo]. For $30/mo, does CCT offer anything else myFICO does not? 

F8: | EQ 762 | TU 750 | EX 754 | Chase Sapphire 40k | Chase Slate 10k | Barclay ring $15k
Message 11 of 24
Established Contributor

Re: myFico - FAIL - CreditKarma sent Alert and myFico sends nothing


drunkenspyder wrote:

Thanks to this thread, I took a look at CCT. Their current oiffer to sign up for $1 for 7 days, converts automatically into $29.95/mo. Didn't see anything for $17/mo; did I miss something?  I already have myFICO Identity Ultimate, and while not the fastest, it seems pretty thorough [and it's cheaper than CCT's 30/mo]. For $30/mo, does CCT offer anything else myFICO does not? 


I was originally paying Just under $30. It got to a point where I didnt need to track my scores so frequently so I was going to cancel CCT. When I called to cancel, the automated system gave me an offer for $17/month and decided why not. So that is how I am paying the lower monthly rate. If you are satisfied with myFICO and it works for you, then by all means keep it. Personally I wasnt satisfied and that is why I switched over. CCT offered me a free 3 bureau report every month and updates my scores as soon as there is a change. myFICO gave me a 3 bureau report every 3 months and their experian updates for me were extremely slow....like 2 months behind slow. Maybe they have gotten better, but im too far gone now. 



|| TU08: 759 || EQ08: 759 || EX08: 765 ||



Message 12 of 24
Valued Contributor

Re: myFico - FAIL - CreditKarma sent Alert and myFico sends nothing

I just joined CCT as well. Going to call when I get home and see if I can get the amount reduce monthly and then have my experian credit tracker discontinued. I can handle $18 a month, no problem. 


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 13 of 24
Contributor

Re: myFico - FAIL - CreditKarma sent Alert and myFico sends nothing


jawbrkr wrote:

drunkenspyder wrote:

Thanks to this thread, I took a look at CCT. Their current oiffer to sign up for $1 for 7 days, converts automatically into $29.95/mo. Didn't see anything for $17/mo; did I miss something?  I already have myFICO Identity Ultimate, and while not the fastest, it seems pretty thorough [and it's cheaper than CCT's 30/mo]. For $30/mo, does CCT offer anything else myFICO does not? 


I was originally paying Just under $30. It got to a point where I didnt need to track my scores so frequently so I was going to cancel CCT. When I called to cancel, the automated system gave me an offer for $17/month and decided why not. So that is how I am paying the lower monthly rate. If you are satisfied with myFICO and it works for you, then by all means keep it. Personally I wasnt satisfied and that is why I switched over. CCT offered me a free 3 bureau report every month and updates my scores as soon as there is a change. myFICO gave me a 3 bureau report every 3 months and their experian updates for me were extremely slow....like 2 months behind slow. Maybe they have gotten better, but im too far gone now. 

*****************************
Do they update all of the scores when there is a change or is it only EX that updates. I was thinking that they only give the other two scores once a month.

 


FICO May 2016 - EX 714, TU 711, EQ 713 - -
Message 14 of 24
Valued Contributor

Re: myFico - FAIL - CreditKarma sent Alert and myFico sends nothing

Cancelled Credit Tracker and picked up CCT. Called CCT and they knocked the price down to 14.88 a month for 12 months. Looks just like credit tracker but has all 3. Only down side is they have no phone app. No big deal though really. I now get all 3 FICOs and reports. 


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 15 of 24
Established Contributor

Re: myFico - FAIL - CreditKarma sent Alert and myFico sends nothing


MyLoFICO wrote:

Cancelled Credit Tracker and picked up CCT. Called CCT and they knocked the price down to 14.88 a month for 12 months. Looks just like credit tracker but has all 3. Only down side is they have no phone app. No big deal though really. I now get all 3 FICOs and reports. 


Awesome. Good for you. That was my only knock on CCT as well. No phone app.



|| TU08: 759 || EQ08: 759 || EX08: 765 ||



Message 16 of 24
Established Contributor

Re: myFico - FAIL - CreditKarma sent Alert and myFico sends nothing


daverhere wrote:

jawbrkr wrote:

drunkenspyder wrote:

Thanks to this thread, I took a look at CCT. Their current oiffer to sign up for $1 for 7 days, converts automatically into $29.95/mo. Didn't see anything for $17/mo; did I miss something?  I already have myFICO Identity Ultimate, and while not the fastest, it seems pretty thorough [and it's cheaper than CCT's 30/mo]. For $30/mo, does CCT offer anything else myFICO does not? 


I was originally paying Just under $30. It got to a point where I didnt need to track my scores so frequently so I was going to cancel CCT. When I called to cancel, the automated system gave me an offer for $17/month and decided why not. So that is how I am paying the lower monthly rate. If you are satisfied with myFICO and it works for you, then by all means keep it. Personally I wasnt satisfied and that is why I switched over. CCT offered me a free 3 bureau report every month and updates my scores as soon as there is a change. myFICO gave me a 3 bureau report every 3 months and their experian updates for me were extremely slow....like 2 months behind slow. Maybe they have gotten better, but im too far gone now. 

*****************************
Do they update all of the scores when there is a change or is it only EX that updates. I was thinking that they only give the other two scores once a month.

 


They only update Experian more frquently as that is the one you get daily reports and updates for. But once every 30 days you get a free 3 bureau report and a score update from all three bureaus.



|| TU08: 759 || EQ08: 759 || EX08: 765 ||



Message 17 of 24
Valued Contributor

Re: myFico - FAIL - CreditKarma sent Alert and myFico sends nothing


jawbrkr wrote:

MyLoFICO wrote:

Cancelled Credit Tracker and picked up CCT. Called CCT and they knocked the price down to 14.88 a month for 12 months. Looks just like credit tracker but has all 3. Only down side is they have no phone app. No big deal though really. I now get all 3 FICOs and reports. 


Awesome. Happy for you. That was my only knock on CCT as well. No phone app.


I really wanted to use myFICO but bang for buck, I couldnt justify it. I hear there is an app coming though. Probably the day after I cancel. 


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 18 of 24
Established Contributor

Re: myFico - FAIL - CreditKarma sent Alert and myFico sends nothing


MyLoFICO wrote:

jawbrkr wrote:

MyLoFICO wrote:

Cancelled Credit Tracker and picked up CCT. Called CCT and they knocked the price down to 14.88 a month for 12 months. Looks just like credit tracker but has all 3. Only down side is they have no phone app. No big deal though really. I now get all 3 FICOs and reports. 


Awesome. Happy for you. That was my only knock on CCT as well. No phone app.


I really wanted to use myFICO but bang for buck, I couldnt justify it. I hear there is an app coming though. Probably the day after I cancel. 


 

Of course. Thats always how it goes. The moment you cancel is when they decide to release the phone app. In all honesty, once i left the myFICO app, after a while it really wasnt that big a deal. Sure its easier to pull the app open and check but whatever.



|| TU08: 759 || EQ08: 759 || EX08: 765 ||



Message 19 of 24
Regular Contributor

Re: myFico - FAIL - CreditKarma sent Alert and myFico sends nothing

My CreditKarma only updates every 7 days  and get no updates unil 7 days are up?   so i'm don't get how anyone is getting immediate updates with credit karma   its states above my scores that I have so many days 7 or less until next update.  If get a quick showing of something it just happens to fall on the day the update takes place.    and it doesn't show anything for experian  just food for thought.


Discover $11200, Amex BCE $15400, CapOne QS1 $6500,
BOA MC $4000 Merrick $2500, Fingerhut $2400, Citi Simp $900 Kohls $700, MEFCU Visa $1000 CapOne QS $1000
Fico 8 Scores as of 3/02/17: TU 704 1 INQ, EQ 705 5 INQ, EX 683 8 INQ
Almost 700 across the board!!!! I'm heading for the garden until 4/2018 at least.
Message 20 of 24