myFICO - FICO Score Monitoring

We are in process of buying a home and this app (it’s a paid service) gave us the exact info we needed across all three bureaus. Was able to clean up some negative stuff and they updated any changed info along the way. One of my scores does not reflect the actual since changes on my end and I think the subscription only “checks” for an update once a month, but for the most part if something major changes the bureaus usually report it an it’s takes effect almost immediately. Happy with this app an service and yes I do recommend if your serious about fixing your credit or buying a house or car

ask user to change the rating

I’ve been using credit karma for a while and have been happy with the way it immediately keeps you up to date on credit scores, but I’ve found that my FICO score is about 50 points higher than what credit karma shows because FICO is a more complete snapshot of your credit history. I get free FICO scores through my Discover card, but I was hoping for a more complete picture by going directly through FICO. Once I downloaded the app I found that there is no Free option to see your credit score. I don’t feel it necessary to spend hundreds of dollars a year, unless maybe I was buying a new house or something, but even then it seems unnecessary when you can get one free copy of your credit report each year directly from the provider(trans union experience etc). I feel the app is misleading by never mentioning that there is no free version. It only mentions that “some services” are only available with a subscription. I tried calling the 800 number but gave up after lengthy hold time. I don’t want to say this app is a scam, but it really doesn’t provide any value for service.

I find this tool very handy for keeping up with what’s going on behind the scenes with my credit and creditors. I let my subscription lapse not realizing that I did that (because I moved & bought a house) and recently re-subscribe and I’m so glad I did. I’ve worked very hard to get a good credit score so I could buy my first home then after I bought my home I got credit cards and maxed them out over time, which brought my FICO down so now I’m in the process of paying those off and I need to keep my eyes on everything so I can make sure it’s correct. This app helps me manage my affairs!

As of recently (a little over a year now) I have been focused and steadfast towards building up my credit score and profile. This app is extremely helpful in helping me stay up to date, the only knock I have against it is that it doesn’t provide specific details on what debt, derogatory mark, or collection it is that is still showing on my report ; For instance, it shows the total number of factors helping and/or damaging my score but when I click on it to get more details it just shows the number of negative accounts, but not specifically which account it is, nor any contact info regarding the debtor or agency for me to reach them. This is the only thing I pardon for that we get fixed, thank you guys!

It’s mediocre. I recently signed up for service this month. So far I’ve been unimpressed with the application as a whole. I still pay for Experian services but I wanted to give MyFICO a try after reading up. Glad I didn’t cancel Experian yet. MyFICO updates extremely slow. It took me around 3 weeks to get any updates. Funny enough I received updates for Transunion and Equifax before receiving an update from Experian. I know this because a) I still have Experian and b) I recently tried “credit check total” and got my 3 bureaus report twice for feee. Furthermore when I called support for MyFICO I was told it took a couple weeks for the system to synchronize. Uhhhh...you just took my $50 for a service and your system isn’t fully functional for paid service. That’s weird. So you take my money but I won’t get the service until later?!?! Didn’t see that in the fine print. Anyways - I might as well finish my month. I do like the community. Very friendly and extremely helpful. The customers are about all MyFICO has going for it. The irony.