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?
Official www.myfico.com discount thread
Started by
faztcobra
, Mar 30 2004 04:59 PM
3175 replies to this topic
#3027
Posted 21 April 2012 - 12:34 AM
$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
#3028
Posted 22 April 2012 - 12:14 PM
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 by ( o Y o ), 22 April 2012 - 12:15 PM.
#3029
Posted 22 April 2012 - 09:05 PM
What about the free trial? Doesn't that work?
#3030
Posted 29 April 2012 - 12:52 PM
I want to refinance my house (30 yr @ 5% in 2010 down to 15 yr now) since my credit score has improved. My Score Watch subscription expired a few months ago, and when I logged in to sign back up, the price has gone back up significantly. I can't find any working coupon codes. Does anyone have a current coupon code for the annual subscription (regular $149.95) or for the monthly that would make it less than that?
Thanks!
Thanks!
#3031
Posted 29 April 2012 - 01:39 PM
I want to refinance my house (30 yr @ 5% in 2010 down to 15 yr now) since my credit score has improved. My Score Watch subscription expired a few months ago, and when I logged in to sign back up, the price has gone back up significantly. I can't find any working coupon codes. Does anyone have a current coupon code for the annual subscription (regular $149.95) or for the monthly that would make it less than that?
Thanks!
You can get the same score free on the last friday of every month from DCU. https://www.dcu.org/index.html
#3032
Posted 30 April 2012 - 11:39 AM
So, myfico.com, discount codes and Walmart cardholders aside, is there an actual way for end-consumers to directly acquire the TransUnion Fico Score that matters, today?
#3033
Posted 02 May 2012 - 08:05 PM
I want to refinance my house (30 yr @ 5% in 2010 down to 15 yr now) since my credit score has improved. My Score Watch subscription expired a few months ago, and when I logged in to sign back up, the price has gone back up significantly. I can't find any working coupon codes. Does anyone have a current coupon code for the annual subscription (regular $149.95) or for the monthly that would make it less than that?
Thanks!
You can get the same score free on the last friday of every month from DCU. https://www.dcu.org/index.html
Thanks for the info! I like ScoreWatch because it immediately alerts me of changes and I can track my scores vs. what's being reported. I'll check out the DCU link, but am still really interested in ScoreWatch if anyone has a suggestion. Thanks again!
#3034
Posted 02 May 2012 - 09:25 PM
Also the DCU provided score is EQ only.
#3035
Posted 09 May 2012 - 07:27 AM
CPPSAVINGS just worked at myfico.com 10% is better than nothing
#3036
Posted 09 May 2012 - 07:28 AM
Actually nevermind, I was looking at the price for one score not both 
#3037
Posted 09 May 2012 - 10:15 AM
Also the DCU provided score is EQ only.
so? the TU score sold by myfico should not ever be bought by consumers. so in effect, myfico only provides EQ too...
#3038
Posted 10 May 2012 - 11:03 AM
20% off Code:
MOMDAY2012FS
MOMDAY2012FS
#3039
Posted 10 May 2012 - 11:04 AM
Expires Monday 2012-05-1420% off Code:
MOMDAY2012FS
#3040
Posted 10 May 2012 - 11:16 AM
Pffft, screw taking mom out for breakfast. I'm getting her a credit report! 
#3041
Posted 10 May 2012 - 11:24 AM
#3042
Posted 10 May 2012 - 12:11 PM
How dare you call Cracker Barrel mediocre!!
#3043
Posted 10 May 2012 - 12:16 PM
I don't even know what that is.How dare you call Cracker Barrel mediocre!!
#3044
Posted 10 May 2012 - 12:33 PM
I used to think it was just a southern thing, but they had them in CO when I was working there and I've seen a few up north. It's what us po' folk eat when we don't feel like doing some home cookin'.
Edit - you must be in one of the 8 states unfortunate not to have CB. Hmm.. wait, there's another CB I love.
Edited by road2freedom, 10 May 2012 - 12:35 PM.
#3045
Posted 10 May 2012 - 02:16 PM
Had to check out this CB thingy.
There's one way on the North side of town, and one way on the West side of town.
Went to the Northside one.
Decent lunch for $12 after tip.
There's one way on the North side of town, and one way on the West side of town.
Went to the Northside one.
Decent lunch for $12 after tip.
#3046
Posted 10 May 2012 - 03:08 PM
Yeah for a restaurant chain, it's pretty good. Glad you checked it out. I take it you didn't use ES2's Penfed card? 
#3047
Posted 10 May 2012 - 03:19 PM
THAT is moth-balled, and on its way to SK.Yeah for a restaurant chain, it's pretty good. Glad you checked it out. I take it you didn't use ES2's Penfed card?
#3048
Posted 10 May 2012 - 04:45 PM
LATEST DISCOUNT
Save 20% on
FICO® Standard
Includes:
One FICO® Score and credit report
Explanation of factors that affect your score
FICO® Score Simulator tool
Promo Code: MOMDAY2012FS
Save 20% on
FICO® Standard
Includes:
One FICO® Score and credit report
Explanation of factors that affect your score
FICO® Score Simulator tool
Promo Code: MOMDAY2012FS
#3049
Posted 14 May 2012 - 12:20 PM
Save 20% on
FICO® Standard
Includes:
» One FICO® Score and credit report
» Explanation of factors that affect your score
» FICO® Score Simulator tool
Promo Code: MOMDAY2012FS
Now only $15.96 was $19.95
FICO® Standard
Includes:
» One FICO® Score and credit report
» Explanation of factors that affect your score
» FICO® Score Simulator tool
Promo Code: MOMDAY2012FS
Now only $15.96 was $19.95
#3050
Posted 15 May 2012 - 01:36 PM
LATEST DISCOUNT
Save 20% on
FICO® Standard
Includes:
One FICO® Score and credit report
Explanation of factors that affect your score
FICO® Score Simulator tool
Promo Code: MOMDAY2012FS
this is no longer valid as of May 15
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