if you have credit cards that display your actual FICO score (not the fake-o score you get from Credit Karma) this is probably a waste of money. My biggest complaint here is that the score “insights” are based on your actual credit report, not the information that is being presented to you via the service, […]
Reviews for myFICO: FICO Credit Check
β Back to myFICO: FICO Credit Check20 reviews
It’s just “okay.” Like many of the reviews share, it frequently has glitches and won’t update. I’ve had to uninstall and reinstall repeatedly just to have current data. I find the accuracy leaving something to be desired; very much behind current reporting. If you are looking for specific, accurate info, go to the full website […]
Very helpful. If you’re investigating mortgage rates, this is for you! Mortgage rates are based on you MORTGAGE score which is NOT your regular score… we us this app when negotiating rates. Total clarity and makes your bank/broker have to communicate with transparency too. Rates fluctuate daily… also why we love the app. We do […]
I have had this App for two months. I am learning more about my credit in terms of what financial decisions are beneficial to my credit and what is not. I log on almost daily to educate myself. So far, my credit score has increased by 8 points by consolidating one account. I can’t wait […]
A little expensive but does do its job keeping you up to date on any changes to your credit score. It will regularly give you updates on any changes (credit balances, accounts closed, etc.) and show you the impact on all of your scores. Because the scores are all different and based on changes in […]
Credit score app and scoring system is rigged. Thankful I have no debt. But if i use my credit card which I always pay off and the amount goes above 30% I get almost instantly get points deducted from my score but if I keep it below 30% it takes several months to regain the […]
Best credit site out there. Gotta get the paid version, but it’s worth it. The auto and mortgage scores are well worth it if you’re considering a major purchase. I would like a more dynamic scenario generator. It would be helpful if you could stack events pertaining to credit cards and different types of loans. […]
I’ve had a subscription for several years only to have them suspiciously cancel my account for non-payment. I never received an e-mail or message within the app stating that my card could not be charged in spite of logging into the app several times a week. I e-mailed customer service and he can’t explain why […]
It’s a great app. I wish it updated daily or even weekly. I like how “Credit Karma” Updates often. $39 is a bit much. I say that because I had an account that was paid off in November, but they’re just updating my account. Otherwise, it’s a good app. I will be unsubscribing for a […]
I like this app only because it gives the score most lenders use. I don’t like that it is proprietary and, for all intents and purposes, a monopoly. They pull your credit report once a month on the premium plan. They monitor for changes and only update your 3 main FICO 8 scores, with an […]
Works as expected but there is definitely a delay with updates. For example, I paid about $4000 to a credit card in a lump sum. I received an alert 30+ days later that my account decreased by $2847. Conversely, when a made a $3000 purchase, the alert and corresponding score drop was almost immediate. I […]
It gives you good information when considering a major purchase like a house or car. They need to improve the simulator dramatically so you have the same kind of rapid-rescore-like information lenders do. What exactly will happen if you pay off X or pay down a bit Y? That’s a huge piece of information that […]
Generally pretty good app, but you can get faster updates from Experian directly–typically 1-2 days faster. Also, there’s a bug that prevents credit alerts from showing up without first restarting the app. To be clear, it will show the alert, but when you click for more details, it shows an older alert instead. Finally, sometimes […]
Great because its the only place to view 3 FICO scores, with additional scores the mortgage lenders and bank card issuers use. It’s actually spot on accurate, when i applied. Every other site gives you vantage or some other propietary calculation. FICO is the only model Ive seen used by creditors. Bad news is it […]
I started for the premium service a little over a month ago. I wanted to start paying off bad debt and increase my score. This app shows somewhat recent changes, but the information is not accurate, showing updates from last month. Also, there’s no way to see the details of debt, late payment, etc. In […]
Not very useful. It requires a paid account to use this service. Other score providers have free accounts. Myfico is just one score provider. Experian has a free account. They are one of the three credit bureaus. MyFico is trying to drive crazy Their security steps are not designed for real people. It’s designed for […]
The app itself functions well and does what it is supposed to do. No glitches that I have noticed. The problem I have here is that the free version doesn’t show you relevant information and it could, for free. This isn’t just with this app. All credit reporting apps give you the very bare minimum […]
Last month I got a notification saying that my info was found in some unsafe areas. Of course I immediately opened the app to see what the notification was, but was greeted by a blank error screen. I have been trying to login to this app for over a month and keep getting a blank […]
Yet another scam, and here’s why: I paid for all access to all of the credit scores in all of the categories, only to find out that this app does NOT frequently update all of the categories like it does the main score. The subcategories, i.e., auto, home, credit card, etc., update 1x a month, […]
Even when you update your 3B report, not all information is refreshed. This app is not worth the money. FICO scores are a joke and credit worthiness is not reflected. I just sold my home and used proceeds to payoff 90% of all my debt. I was expecting a nice bump in my credit scores. […]