myFICO - FICO Score Monitoring Reviews

Fraud

fraudkicker

They advertise true FICO scores but they are not. The scores shown in their paid subscription are not the true scores. Scam!!

I cancelled this subscription. I called when I saw a charge pending for the upcoming month. They refused to stop or credit. Do not use them or their app. Zero customer service. I waited 20 minutes to talk to a supervisor. They must need my money.

Not worth the money. You won’t be impressed

Hfhjjvcjk

I just got myFICO and I’m not impressed. Experian does the same and updates more frequently for half the price of $20 a month showing your actual Fico score at the time. MyFICO only gives you an update 1x a month, not showing you your recently posted positive items until the following month for $40 a month... Extremely overpriced and not worth it... I’m canceling after this first month. Listening to bad advice cost my $60 this month instead of just the $20 i usually pay Experian. Not a happy customer. This app is worth $9.99 a month, $40 a month is ridiculous.

Freeze Credit Scores?

Detective31

I give the app 3 stars. I really find this app useful and I would have given it a higher score if there was a feature to be able to lock your credit file with all 3 credit agencies if you have an alert of some sort. I think it would just be a major improvement.

Expensive

W6Sam

Good app just expensive to have at 30.00 dollars a month.

Stay away

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I called after signing up to find out why the score vary from other sites and was informed they use different methods of created your score and was surprised to find out for 29 the scores are updated every three months. If I wanted to have it updated every month I would need to pay 39 a month.. this is not what I expected so when I asked for a refund.. only 10min after signing up, they tell me know refunds.. this tells me this is not a good company to be part of or use.. I will never use this company again..

OFFER TRIAL PERIODS.

The.ardest

This app might have been a great tool to help me build my credit. However, they want $30 a MONTH for quarterly updates, and 40 for monthly. At that rate I might as well pay some of my debts off. I downloaded it and once I saw the price without a free/cheaper option I instantly deleted the app. I guess I’ll never know. People looking to fix their credit aren’t always in the best position to SPEND money on a tool like this to fix their credit when they could put that money towards their debts instead. I could understand a few bucks, but 30-40 a MONTH? That’s a whole bill. A whole bill for something that, based on some of the reviews isn’t even as thorough as others that offer free services. I wanted to give this app benefit of the doubt, but the price isn’t even worth it. It would be nice to offer a month free trial and bill after, but you offer expensive services with zero trial period, and zero refunds on top of it. So basically if you don’t like the app, you just wasted someone’s hard earned money and can’t even refund them for a service they didn’t even know they’ll like.. That’s horrible quite honestly.

Great collection of scores, but quarterly?!?

jcoop269

Obviously the collection of scores this app provided is the best there is. I’ve gotten real sick of thinking I know my scores only to end up finding out it was a different score used. This app provides all the ones that matter for all three bureaus. That aspect is fantastic. But the service and app aren’t perfect. First, for $50/month (Family Advanced), you better believe an update every 3 months ain’t gonna cut it! You’re basically paying $50/month for Fico 8 monitoring, which tons of other services offer for cheaper and do a far better job at it. Which brings me to my second point. At this moment, I also have a subscription with Experian and am watching daily increases to my Fico 8 with them while it hasn’t moved in 3 days with MyFICO. This is unacceptable performance for this cost! Your alerts and then score updates after alerts are weak and need to happen quicker than they are. In my opinion, it makes a lot more sense to pay for one month, cancel, and resubscribe each time just to get an update on everything else monthly. For $50, you bet your last Pringle all scores should be updated on a monthly basis. And on top of that, even if for some insane reason you did want to pay more to get it monthly, there’s no option for monthly updates for families.

Password

PacLovesQuac

I bought the subscription and was able to view more report. I exited the app. After a few minutes it signed me out. When I tried signing back in with a password I never forget it said incorrect. I submitted a forgot password link to my email and never got the link. I haven’t been able to log in and haven’t had much help from the app. I would like to suspend my subscription and not renew next month.

Inaccurate and faulty...

Annoyed Guy in DC

I’m spending way to much time trying to figure things out. Or example, only on a he MyFICO app and experian does it show my credit score is in the low 600s on all credit bureaus for the past 3 months. But for the last two months, I’ve been checking the Equifax and TransUnion apps as well, and they score me at 719 and 721. They more accurately reflect my credit card balances and student loan issues. So I don’t know why I’m paying for conflicting, outdated and inaccurate information. My credit card balance was listed at $7 for nearly 3 months, but when it finally registered that the balance was $0, MyFICO took my score down by -14 points on each bureau. That cannot be right. For a while I was wondering if TransUnion was faulty and they were right, but after checking with my bank (Capital One), they told me I need to do this and that to get that fixed with them, because there’s no reason my score should have gone down. And there’s no reason my scores should be so much lower on the MyFICO app. Experian has as low as 640 there, and Equifax has me at 680, and that gap has been like that for nearly 2 months. The reason I pay for the app, is to make sure all my scores are above 670 before I do something like a new auto loan, but I feel like I’m paying for inaccuracy and it’s been an inconvenience to my finacial goals.

myFICO - FICO Score Monitoring Reviews – Page 5