Official www.myfico.com discount thread

[goldtrad]

$12.76 was way too expensive. FI is out of their minds charging this kind of money in this environment.

[boricua]

$12.76 was way too expensive. FI is out of their minds charging this kind of money in this environment.

 

I'll take $12.76 anyday versus $19.95 the standard price (which is almost $40.00 for both scores from EQ and TU).

[hegemony]

$12.76 was way too expensive. FI is out of their minds charging this kind of money in this environment.

 

I'll take $12.76 anyday versus $19.95 the standard price (which is almost $40.00 for both scores from EQ and TU).

 

nobody should buy the TU score sold by myfico as it is a prehistoric FICO score that few lenders use.

[KentuckyHillbilly]

For anyone interested My Fico has a sale on it's scores until March 31. No code needed. 20% off.

[IOwe-IOwe]

For anyone interested My Fico has a sale on it's scores until March 31. No code needed. 20% off.

 

How do you access that? I'm not seeing it.

[sedric1]

www.myfico.com is showing the 20 percent on the home page. 15.96

[( o Y o )]

Any updates? Does anyone know of a working code?

[T77125]

$12.76 was way too expensive. FI is out of their minds charging this kind of money in this environment.

 

I'll take $12.76 anyday versus $19.95 the standard price (which is almost $40.00 for both scores from EQ and TU).

 

nobody should buy the TU score sold by myfico as it is a prehistoric FICO score that few lenders use.

 

So what should we use? What are lenders using & how do we get acesses to it?

[( o Y o )]

$12.76 was way too expensive. FI is out of their minds charging this kind of money in this environment.

 

I'll take $12.76 anyday versus $19.95 the standard price (which is almost $40.00 for both scores from EQ and TU).

 

nobody should buy the TU score sold by myfico as it is a prehistoric FICO score that few lenders use.

 

So what should we use? What are lenders using & how do we get acesses to it?

 

I doubt it really matters THAT much. I can't imagine the statisticians at TU changing their algorithm so much that the TU98 version is off by any significant figure. It's probably more of a fine tuning difference and any variation in your score is likely to be marginal at best.

[( o Y o )]

I just found a $1 credit report and score on Experian's website. I thought they weren't offering scores anymore? Anyone else see this yet?

[Guest DBinSJ]

I just found a $1 credit report and score on Experian's website. I thought they weren't offering scores anymore? Anyone else see this yet?

 

Is it a true FICO score or is it a FAKO?

 

If the latter, it isn't worth a dollar. The credit report would be worth a dollar but you need to be sure to cancel within the required period in order not to end up paying monthly fees for some kind of credit monitoring service.

[Link2k]

$12.76 was way too expensive. FI is out of their minds charging this kind of money in this environment.

 

I'll take $12.76 anyday versus $19.95 the standard price (which is almost $40.00 for both scores from EQ and TU).

 

nobody should buy the TU score sold by myfico as it is a prehistoric FICO score that few lenders use.

 

So what should we use? What are lenders using & how do we get acesses to it?

 

I doubt it really matters THAT much. I can't imagine the statisticians at TU changing their algorithm so much that the TU98 version is off by any significant figure. It's probably more of a fine tuning difference and any variation in your score is likely to be marginal at best.

 

From what I've seen its a 20 to 40 point difference on average.

 

If it was just a fine tuning companies wouldn't pay for the updated model if it did not have a better predictive power.

 

No reason at all to pay for a score that will be that far off.

[alexplantman]

Any recent promo codes?

[Supastar]

Any recent promo codes?

 

 

 

I'm wondering the same thing.

[JoanKB]

Any recent promo codes?

 

 

 

I'm wondering the same thing.

 

Double ditto!

[T77125]

Nope.

[georgeb]

Since MYFICO.com score for transunion is so old is there a place we can get the transunion FICO that is more up to date

[hegemony]

$12.76 was way too expensive. FI is out of their minds charging this kind of money in this environment.

 

I'll take $12.76 anyday versus $19.95 the standard price (which is almost $40.00 for both scores from EQ and TU).

 

nobody should buy the TU score sold by myfico as it is a prehistoric FICO score that few lenders use.

 

So what should we use? What are lenders using & how do we get acesses to it?

 

I doubt it really matters THAT much. I can't imagine the statisticians at TU changing their algorithm so much that the TU98 version is off by any significant figure. It's probably more of a fine tuning difference and any variation in your score is likely to be marginal at best.

 

 

it does matter. $20 for a score that no lender uses is a waste of money. And there are well documented major differences between the 98 version and newer incarnations. go ahead and waste your money; I will continue to assert nobody should but the TU score sold by myfico.com.

[hegemony]

Since MYFICO.com score for transunion is so old is there a place we can get the transunion FICO that is more up to date

walmart cardholders get a free TU score that is a newer version of FICO.

[watty]

Since MYFICO.com score for transunion is so old is there a place we can get the transunion FICO that is more up to date

walmart cardholders get a free TU score that is a newer version of FICO.

 

I looked on the Walmart website. Where do you go to get it?

[JAC601]

I just don't understand why someone should have to PAY for their credit score in the 1st place. In this age of identity theft and such, it should be provided free once a year or even quarterly.....are We the People going to ever stand up??

 

This is a complete travesty......

[breeze]

Well, now, if you worked for myfico, you would want to get paid, right? And if your 401k invested in FICO, you'd want them to make a profit, right?

[gto]

$12.76 was way too expensive. FI is out of their minds charging this kind of money in this environment.

 

I'll take $12.76 anyday versus $19.95 the standard price (which is almost $40.00 for both scores from EQ and TU).

 

nobody should buy the TU score sold by myfico as it is a prehistoric FICO score that few lenders use.

 

So what should we use? What are lenders using & how do we get acesses to it?

 

I doubt it really matters THAT much. I can't imagine the statisticians at TU changing their algorithm so much that the TU98 version is off by any significant figure. It's probably more of a fine tuning difference and any variation in your score is likely to be marginal at best.

 

 

it does matter. $20 for a score that no lender uses is a waste of money. And there are well documented major differences between the 98 version and newer incarnations. go ahead and waste your money; I will continue to assert nobody should but the TU score sold by myfico.com.

 

 

good tip

i've been waiting for a discount code so I can check my TU score.I guess i'll pass and just wait to see how this mycreditplan.org thing goes

[( o Y o )]

I just don't understand why someone should have to PAY for their credit score in the 1st place. In this age of identity theft and such, it should be provided free once a year or even quarterly.....are We the People going to ever stand up??

 

This is a complete travesty......

 

Well, there is a similar protection in place to that which you are advocating. I believe it is mandated in FACTA, which is the update to FCRA (someone correct me if I'm wrong, I'm new...) but it only mandates that you have free access to your credit report not your credit score. The report is far more valuable than the score. Sure, it would be nice to know your credit score too, but I certainly understand why they are allowed to charge for access to that. Afterall, they are not a governmental agency but rather private corporations. Surely they can't be expected to provide everything for free.

Edited April 22, 2012 by ( o Y o )

[yogamom72]

What about the free trial? Doesn't that work?