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creditmaze

Canceled Myfico Subscription because...

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I canceled my subscription a few months ago, and I'm putting the 29.95 a month toward the mortgage.

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I had it because I was rebuilding and still am. It is a true fico score but all my reports are on ice so $39.95 is pretty steep to pay monthly. It use to be $29.95 a month. I may re-visit a subscription next year when I plan to app for a cc. At least Myfico doesn't have ridiculously long hold times like CCT if I cancel agIn.

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I cancelled MyFico earlier this month.  The subscription price was not worth the cost as CreditCheckTotal is half the price.  Also, the report updates are daily for EX and monthly for EQ and TU with CCT.

Edited by mikewilkes

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5 hours ago, mikewilkes said:

I cancelled MyFico earlier this month.  The subscription price was not worth the cost as CreditCheckTotal is half the price.  Also, the report updates are daily for EX and monthly for EQ and TU with CCT.

Really?! I didn't realize CCT updated EX daily. Thanks for the info.

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Thanks for the nfo m8s, i need canceled mine to.btw they ban me from their forum just cuz i don't roll over and don't wide share some nfo.. .mods there are jealous and morons.they copy all the nfo from this board...

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22 hours ago, creditmaze said:

I had it because I was rebuilding and still am. It is a true fico score but all my reports are on ice so $39.95 is pretty steep to pay monthly. It use to be $29.95 a month. I may re-visit a subscription next year when I plan to app for a cc. At least Myfico doesn't have ridiculously long hold times like CCT if I cancel agIn.

Just looked.  The 39.95 is for a plan that gives credit reports monthly.  The one that gives them every 3 months is still 29.95.  Since the last negatives fell off my reports, I lost interest in myfico.  You get a free fico 8 from several card issuers.  Crediscorecard gives you one and you don't even have to be a customer. 

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11 hours ago, creditmaze said:

Really?! I didn't realize CCT updated EX daily. Thanks for the info.

Yes, each daily login generates a single soft pull of the EX credit report and score.    The only negative for CCT is its lack of offering a mobile app 😞

Edited by mikewilkes

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Both links will take you to the same place. You have to be a cardholder to receive the TU FICO. Just to clarify, it's an EX FICO. Here's a screenshot from the bottom of the Credit Scorecard registration page... :)

FKDwXj8.jpg

 

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Does anyone know if soft pulls still help with bumping off hard pulls ? It used to back in the day... but so much has changed these days.

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5 minutes ago, key said:

Does anyone know if soft pulls still help with bumping off hard pulls ? It used to back in the day... but so much has changed these days.

I don't have firsthand knowledge, but I do recall reading somewhere that bumping no longer works. 

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4 minutes ago, spacemule said:

I don't have firsthand knowledge, but I do recall reading somewhere that bumping no longer works. 

Thanks Spacemule for answering. I figured that would probably be the case. I remember when you could dispute hard pulls, but I've been out of it for awhile. So everything is new again. Questions and researching is my new middle name.

 

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I'm still holding on with my myFICO Quarterly TU monitoring.  Subscribed under a 1/2 price offer ($49.95/yr), I was surprised when subsequent renewals honored the discount.  Gives me just the analytics I want to keep on top of my score.  (Occasional free download of my standard EX/EQ CRA reports supplement just fine to give me pretty much just what I need.)

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Thanks for the tip on the Discover Free Credit Score.  

 

521 Ouch, we are in bad shape. 

 

We are just not in a position to have credit cards right now, when we had medical bills pile up 5 years ago we pretty much lived off our credit cards for a couple years.

 

A payment on a $500 card is not a problem but they kept raising our credit limit (and minimum payment) as we were struggling to buy groceries and when you need to feed your family you will use whatever you have available! Then I got laid off for a month. Then I got hurt at work. Now I am 55 and hurt, my working days are numbered. 

 

When I get settled into the new job I will apply for a savings secured credit card from our Credit Union to try and begin the rebuild process, but not until then can we even afford another payment. 

 

And making our car payment regularly hasn’t seemed to help our score, it has dropped another 20 points, I assume because we are not using credit, at our income level we have no business using credit.

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22 minutes ago, Russell - Idaho USA said:

Thanks for the tip on the Discover Free Credit Score.  

 

521 Ouch, we are in bad shape. 

 

We are just not in a position to have credit cards right now, when we had medical bills pile up 5 years ago we pretty much lived off our credit cards for a couple years.

 

A payment on a $500 card is not a problem but they kept raising our credit limit (and minimum payment) as we were struggling to buy groceries and when you need to feed your family you will use whatever you have available! Then I got laid off for a month. Then I got hurt at work. Now I am 55 and hurt, my working days are numbered. 

 

When I get settled into the new job I will apply for a savings secured credit card from our Credit Union to try and begin the rebuild process, but not until then can we even afford another payment. 

 

And making our car payment regularly hasn’t seemed to help our score, it has dropped another 20 points, I assume because we are not using credit, at our income level we have no business using credit.

You are thinking of credit card as a means to get a loan that's repaid in installments.

 

In reality, used properly a credit card is just another way to pay cash for something, except you get rewards for each purchase and pay in full a month later instead of immediately.

 

If you need $100 worth of groceries you can either pay with five $20s, or pay with a credit card and get $2+ back.  

 

Just don't go in and buy $200 worth of groceries thinking that you can spend the next X months paying it back.  That's where it all goes sideways.

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On 9/8/2019 at 10:35 AM, cv91915 said:

You are thinking of credit card as a means to get a loan that's repaid in installments.

 

In reality, used properly a credit card is just another way to pay cash for something, except you get rewards for each purchase and pay in full a month later instead of immediately.

 

If you need $100 worth of groceries you can either pay with five $20s, or pay with a credit card and get $2+ back.  

 

Just don't go in and buy $200 worth of groceries thinking that you can spend the next X months paying it back.  That's where it all goes sideways.

Absolutely, that’s why until we know we can and will pay it off at the end of the month, we cannot use credit cards, that’s just the way it is.

 

At least with our score down 150 points they have stopped sending us free credit card offers! That and Synchrony bought out many of the small credit card operations and many store cards (including one we defaulted on) so they don’t make us offers anymore...

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