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Ok new here but not new to forum world and novice in credit rebuild. Doing LOTS of reading for NEWBS on here. One frustration I have is where can I get my actual FICO scores which financing companies are pulling? Here is an example of my frustration:
October 25th I call up AT&T for U-verse set up in a new place I moved into. Hard pull. DONE. Busy with the move and forget all about it until I received the letter in the mail "Hey we pulled your credit blah blah...716 is the score. Still busy with the move threw it in the trash. Today I realized MyFico score on that date was actually 535 (rebuilding remember?).
on 11/11 Barclays did a hard pull for a CC app, denied, recon'd, approved. TU Score on that date was 623. All the other free Fako's I have pulling from TU say 591.
ARGHHHHH!!!! How the heck am I supposed to know if I'm making ACTUAL progress on FICO scores if everything and everyone is different? I can't keep getting hard pulls for the sake of seeing my scores right!!!!
Does MyFICO pull your FICO score and just adjusts THAT pulled FICO score up or down based on activity or does it pull the FICO score again?
Sorry I've searched but my eyes are bleeding from all the NEWB reading and i just can't seem to get a specific answer to my question. Bits and pieces of inference is what I'm mostly seeing.
I asked these questions in another forum under a certain pretense, but didn't get a reply. Instead of bumping the thread there, I will ask the direct questions here:
I am a subscriber to this service. Once a year, they give me my 3 credit scores; However, they have recently (past year, give/take) merged with Equifax, and thus I get my Equifax score monthly.
Is Mint Credit considered a FAKO, or an (at least) "partial FICO" because of their relationship with that one CRA? Anyone aware of the general accuracy?
Anyone have actual experiences, pro or con with Mint Credit? I don't mind them but I'm not in love, so if anyone has better monitoring services (I pay $16.99 mo) I'm all ears. Please, no gratuitous sales here; it will benefit the board if you tell us WHY you like "your" service.
thank you, all!
So I decided to cancel Smart Credit today. Nothing left to B*, get my FICO from Barclay's, and their FAKO is way off.
Before I got to the final cancellation screen online (which is not really the end of the process), it gave me the option to continue as a customer for $4.95 per month going forward instead of the current $9.95, a 50% reduction. I said, 'No thanks'.
Then, of course, it tells you that you are all set to be cancelled, but you just have to call Customer Service to confirm...for 'security reasons'.
So I did. And the lady was very nice. She offered me a month for free (starting tomorrow through my next month-end date of September 25th), at which time I can call her back and either choose to cancel as I planned to do today, or I could choose to accept the $4.95 offer.
If you are paying the $9.95 per month, why not click your way through the cancellation process and see if you can save some money?