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Free 30 Day Trial for MyFico Score

R

Reckoner

Lifer
I signed up and used the service for the past couple of weeks and have been extremely happy with it. Since Fico is the score most lenders use to determine your interest rates/risk, it's probably the best one to keep tabs on.


Link to Free Trial
 
Yeah but...

"A week before your 30-day trial expires, we will contact you by email to confirm that you wish to convert your trial to an annual subscription. If you do not cancel prior to the end of the 30-day trial, you will be billed at the annual subscription rate of $79.95 when the 30-day trial expires."

What if they don't contact you or if their Email gets blocked as spam? I know me - I'll forget and wind up paying $80 for it.
 
Originally posted by: Robor
Yeah but...

"A week before your 30-day trial expires, we will contact you by email to confirm that you wish to convert your trial to an annual subscription. If you do not cancel prior to the end of the 30-day trial, you will be billed at the annual subscription rate of $79.95 when the 30-day trial expires."

What if they don't contact you or if their Email gets blocked as spam? I know me - I'll forget and wind up paying $80 for it.
Click to expand...

Link to Cancel 🙂
 
Originally posted by: PaulNEPats
Originally posted by: Robor
Yeah but...

"A week before your 30-day trial expires, we will contact you by email to confirm that you wish to convert your trial to an annual subscription. If you do not cancel prior to the end of the 30-day trial, you will be billed at the annual subscription rate of $79.95 when the 30-day trial expires."

What if they don't contact you or if their Email gets blocked as spam? I know me - I'll forget and wind up paying $80 for it.
Click to expand...

Link to Cancel 🙂
Click to expand...

Sweet - Now I'm in! Thanks! 😀
 
What about the 2nd checkbox before submitting info... the one that asks you to opt-in to some program? Is that required, or junk?

Edit: It's junk. Un-check that box!
 
Originally posted by: way2trivial
Or, hit the free government mandated one, that has NO HOOKS or fee PROGRAMS
<a target=_blank class=ftalternatingbarlinklarge href="https://www.annualcreditreport.com">https://www.annualcreditreport.com</a>

see their disclaimers at
<a target=_blank class=ftalternatingbarlinklarge href="https://www.annualcreditreport.com/cra/helpabout">https://www.annualcreditreport.com/cra/helpabout</a>

only real limit is, ONCE PER YEAR
Click to expand...
That's the place to get your free credit report from all three bureaus. But I don't think it includes your credit (FICO) score.

 
Originally posted by: Aztech
Originally posted by: way2trivial
Or, hit the free government mandated one, that has NO HOOKS or fee PROGRAMS
<a target=_blank class=ftalternatingbarlinklarge href="https://www.annualcreditreport.com"><a target=_blank class=ftalternatingbarlinklarge href="https://www.annualcreditreport.com">https://www.annualcreditreport.com</a></a>

see their disclaimers at
<a target=_blank class=ftalternatingbarlinklarge href="https://www.annualcreditreport.com/cra/helpabout"><a target=_blank class=ftalternatingbarlinklarge href="https://www.annualcreditreport.com/cra/helpabout">https://www.annualcreditreport.com/cra/helpabout</a></a>

only real limit is, ONCE PER YEAR
Click to expand...
That's the place to get your free credit report from all three bureaus. But I don't think it includes your credit (FICO) score.
Click to expand...


Correct, that does not include your FICO score, just the reports. Nice if you don't need the actual score and are just interested in looking at your reports though.
 
I think way2trivial is correct. While your FICO score is important to a lender, what is far more important to you as a borrower is that the RAW DATA that makes up your credit report is accurate and correct.

Once you have confirmed your data is correct (through the free credit reports linked above, a very excellent source) you can then sit down with someone at your local branch bank to figure out what your FICO is (if you are really all that interested in it) or much more importantly, what concrete steps you need to take to improve your credit rating. You will have built/improved a link with a actual person in the loan industry who can do you a lot of good, and avoided the risk of being shafted by an opt-out program.

Everyone should definately get, and review throughly, their free credit reports. But Iwouldn't fall for this FICO opt-out thing.
 
The higher the number, the better credit risk you are.

Score Range Number of loans"good vs. *bad
Below 600, odd to a lender are 8 to 1 against defaulting on a loan.
700-719, odds to a lender are 123 to 1 against defaulting on a loan.
Above 800 odds are 1,292 to 1 against defaulting on a loan.

The higher your FICO score, the less interest you will pay on a loan because you are a better credit risk.

Generally you FICO score is only a problem to you if it falls below 680. As long as your FICO is above 680, you probably won't pay more than 0.125% more than someone with say an 800 rating.
 
Originally posted by: robby69
The higher the number, the better credit risk you are.

Score Range Number of loans"good vs. *bad
Below 600, odd to a lender are 8 to 1 against defaulting on a loan.
700-719, odds to a lender are 123 to 1 against defaulting on a loan.
Above 800 odds are 1,292 to 1 against defaulting on a loan.

The higher your FICO score, the less interest you will pay on a loan because you are a better credit risk.

Generally you FICO score is only a problem to you if it falls below 680. As long as your FICO is above 680, you probably won't pay more than 0.125% more than someone with say an 800 rating.
Click to expand...

I've never heard of the odds thing, robby. That's interesting - where'd you come by that information?

On topic - good find op, a $6 value for free. :thumbsup: Just don't forget to cancel.
 
Depending on which of the 3 I loook at, it's 760-792, with the 760 being the better barometer (I think that is Equifax). Before buying the last 2 homes, I had a score of 807 through Equifax, but haven't yet recovered from the home purchase 15 months ago. It takes a little while when you put that many 0s on your credit history as an active loan. Meh.

I wish this had come around last month when I bought my score from the 3 agencies. That said, TransUnion is worthless. They give you the least information, and with their score range, you can have an outstanding score, but they still consider you a poor risk. Case in point. They give me a 792 out of a possible 950 and rate me as a 'poor risk', while Equifax in the past giving me the >800 (possible 850) score and my qualifying for loans before all the cumberson paperwork. I'd be curious which companies out there actually use them to make loan decisions.
 
they sent me an email telling me that my time was almost up they sent it on the 30th my time expires on the 9th


thats 10 days
 
Shortly after this was posted it was reported in the news that FICO is being replaced by something called Vantagescore. As I posted above, I personally think knowing your FICO score is of little real value to consumers. That's even more true now.

This deal, with its thirty day opt out provision, has been offered for years and I doubt it will end anytime soon. It's a great moneymaker for the companies involved.
 
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