myFICO - Credit Score Tracking

I’ve been using MyFICO for over a year now and am so VERY PLEASED. Unlike other similar apps that monitor VantageScore scores which very few creditors use, this app tells you your current FICO Score 5/4/2, 8, Auto Score 8, Bankcard Score 8, and 10. This app was very useful for me prior to purchasing my new electric car (EV) and Federal Background Check. Getting alerts regarding changes to reports puts my mind at ease. MyFICO has also helped me raise my credit score due to monitoring and maintaining a low 1% credit utilization which makes up 30% of your credit score. I absolutely LOVE this app! My only complaint is that you’re unable to participate in MyFICO Forums directly from the app which is a shame. Other than that, this app is truly an investment!

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 So I don’t know why I’m paying for conflicting, outdated and inaccurate information.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.

This app is a total waste of money. It doesn’t give ANY information on what websites your password has been compromised OR even tell what exactly is bringing your credit score down. It’s so vague for the amount of money you want monthly. I was very excited to finally get this app, when I seen exactly what we get with our subscription, I wanted to cancel the same day and ask for my money back, but your offices were closed. You MIGHT not get a real accurate score from Credit Karma but at least it has a TON of information about your creditors and past due accounts that you can look into and even dispute on their website, above all else IT’S FREE. You can get identity protection from life lock for less than $30-40/mo . So what exactly are you offering us by getting your subscription??? In my opinion, again this just my opinion. What you are offering us as your customers is not worth the money you have to pay it’s a total rip-off because your company knows EXACTLY how important a FICO score is in life. People download this app with the expectations of actually being helped to reach their goals and dream of getting a home or a new car etc. but you guys deliver nothing .Again, In my opinion , you ought to be ashamed of yourselves. This thing is Junk a total waste of time and money.