app no longer showing scores 1/5
App is now broken and my scores are all blank. My last 3b report was May 4th, 2021 and that is missing too. My settings page appears correctly but nothing else! I even tried to log out and back in, but it did not work. I restarted phone, and still nothing.
I don’t pay for the subscription, so it’s a free monitoring account, but it is 6/1/21 and my scores haven’t updated since April 2021. What kind of monitoring is going on when I have t seen any updates in 2 months!? Might as well just rely on Credit Karma or Credit Sesame.
Buggy app, unusable 1/5
I’ve been trying to use this app for over a month now and it’s pretty much unusable. I have to just go to the website to use my subscription. Tried on multiple devices and I get a flashing screen like it’s trying to constantly refresh. They have made multiple updates and still has the same issue. MyFICO is a great service and is well worth the subscription but the app is terrible.
2 out of three Credit Reports way out of Date 1/5
By RG in LA
I’ve used this app for several years now and use the paid service. The only report they pay attention to and keep current is Transunion. Equafax and Experian reports are not updated since 2014. Would you trust a 6 year old credit report? This does not make FICO look good as a trusted source for credit scores.
Great when buying a home 5/5
I’ve been using this app for a few years now. When I was in the process of buying a home, I knew my credit score, and what to expect in terms of interest rate. My lender was impressed. My goal was to use this app until I purchased my home, but with the alerting and up to date information concerning my credit, I think it’s worth keeping. This app gives me a peace of mind knowing my credit score from the 3 major credit agencies.
When is the next update?? 2/5
By Lookin for a way out
Ok why does this app not tell you when it will update next???
I would give 0 stars. This company took my money and then locked me out the account, just to send me a email in 7 days to verify my identity. So why take my money for a service that you clearly cannot use. TERRIBLE SERVICE
This is very bad 1/5
If I could give this 0 stars I would. I entered my debit card info in the first 2 times and it said that it was incorrect... I entered a third time and it went through except it got stuck on the processing screen. I exited the app and opened it back up and it was asking me to log in, I logged in now it’s asking me to pay for a plan... I already payed for a plan and also it charged me 3 times including the ones where it said my card info was wrong. So now I’ve been charged 3 times and it’s still asking me to pay for a plan as if I didn’t.
I signed up and selected a plan...it charged me 5x. Then when I log into the app, it says no plan was selected and prompts me to select a plan and enter my card information again. Only had the app 5 mins and it’s already a bad experience
No free option 1/5
By Meowington Hax
What a messed up system we have where so many parts of your life revolve around a credit score, determined by nongovernmental agencies that then make you pay just to know what your own score is. $90 per report for one option, $50 per report if you want them more frequently. What an absolute joke. Highway robbery.
Doesn’t deliver - use the credit karma app for free 1/5
This app was suppose to deliver updated fico scores that mortgage companies use - I bought a month subscription and found the scores to be entirely different than the ones my mortgage banker shared with me. Use the credit karma app for free and just deduct about 30 points from that’s core and you’ll have your other scores related to auto / mortgage and credit cards. Pretty easy, accurate, timely and you DO NOT need to pend money on this app!
On Fire 5/5
By Pepper Curry
I love love love MyFICO app however what need to be improved it the mortgage, auto and credit card updates, it takes 5 to 6 months to know what the mortgage score is. Other than that it’s phenomenal.
The app is fine, the service is not. 2/5
The app functions as intended, and is easy enough to use. The problem is that the service it’s attached to is far less useful than it needs to be.
For between $30 and $50 per month (depending on the plan), the scores I’m reading need to be accurate to what a lender is using, and it’s just not. Fair Isaac even acknowledges this, instead claiming that the score displayed is ‘accurate enough,’ but different from a lenders score. That makes it no better than reading a VantageScore, or one of the fly-by-night scorers.
For Anyone Who Wants All The Details 5/5
-All three scores in one place
-Scores Fico 8,9,2,4,5; Auto lending Fico scores, mortgage Fico scores, etc...
-Fico 8 scores update as often weekly if your credit changes.
-$40 bucks per month
-$50 bucks to get an early report
-Only Fico 8 score updates weekly. To see updates to the rest, you have to buy another $50 report.
Overall: This is the most comprehensive credit monitoring interface I have ever used. I’m hooked. Live it!
Absolute TRASH app took my money no help from customer service 1/5
By A-game INK.
Signed up. My card was charged yet they say I never purchased anything. Escalated to a supervisor. Still no scores or refund. Disputing via my bank. I was so excited to use this app after recommended by my credit cousins but after loosing my money and hours out my day with no resolve they don’t have to worry about my business. I LOVE EXPERIAN! Idk why I was trying to find something better 🙄
Too expensive 1/5
Free version sends constant emails and notifications about score changes, but never updates. Can’t delete account from app
Ipad app is broken 1/5
By Mini iPad Man
I used to enjoy this app and while it still works on my Android phone, for many months now, and STILL with no fix, upon opening the app on iPad it just blinks continuously, non stop and doesn’t allow you to do anything on it. The only way I’ve found to stop this is to uninstall the app, and reinstall, then it will work, for a while and then start acting up again and I have to repeat the entire uninstall and set up process all over again. This is a horrible user experience and I can’t believe an update still hasn’t been pushed yet to fix this.
Terrible app 1/5
It asks if you took a car loan from Ukrainian credit union 😂😂😂
Great collection of scores, but quarterly?!? 3/5
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.
Update/Subscription Type Changes Mid-Feb. 2021:
Decided to kill the Family Advanced and sign up for the individual Premier and it’s no better when it comes to score updates! I had an update to my Experian FICO8 like two weeks ago, 12 point increase, and per the MyFICO app, it’s still the old score AND the worst part is, it indicates a date AFTER the actual 12 point update, that my score was updated on their end. Something isn’t right on their score updating front. I mean FICO owns MyFICO don’t they?! Shouldn’t it be easiest for them to keep our scores up to date for the price we pay for them?!
And on top of all this, the Equifax FICO8 will absolutely never update no matter what until your next monthly or quarterly update.
Mandatory in-app purchases, not mentioned in the description.
I first got this credit monitoring and was willing to pay for it because it was worth getting my updates on demand as they changed. Now this is not the case. I’m sorry but there is nothing that sets you apart from competitors. You have officially lost a customer
Requires in app purchase to use, not listed within Apple App Store as such 3/5
By Chric Combo
Dunno, incomplete marketing
It’s very expensive ! $21 every month ? For what ?
It doesn’t have three major boroughs
I am not recommending !
A LOT of Glitches 1/5
When I download a report and click on an account, it stays right on the “accounts” screen and doesn’t show any details. The same happens when using the browser. I can see any details unless I’m logged on a computer. Extremely frustrating
Inaccurate and faulty... 2/5
By 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.
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.
OFFER TRIAL PERIODS. 1/5
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.
Stay away 1/5
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..
Good app just expensive to have at 30.00 dollars a month.
Freeze Credit Scores? 3/5
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.
They keep your money 1/5
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.
They advertise true FICO scores but they are not. The scores shown in their paid subscription are not the true scores. Scam!!
Horrible service. 1/5
If you want to order your credit report for about $60 so it could delete it in 30 days, this is the perfect site to waste your money.
Crappy service 1/5
By FL Blue Collar
They expect me to remember my address from a rental 15 years ago. Then they couldn’t find all six of my Ford trucks even though I have the account numbers and everything ready how much I pay per month. The most ridiculous verification system I’ve seen.
By byron pitts 52
There was a lot of missing information on mine. It said I had x amount of missing payments on my dashboard but it did not show the same amount of missing payments in the actual report. It was a mistake buying this since it is not guaranteed and it does not show the accurate information. Use credit karma if you want more help than this app. Oh they didn’t even have my name right in their system. So that’s a nice touch.
App crashes like clockwork 2/5
Whenever I select simulator, the app crashes.
It’s not accurate 2/5
I’m saying there is no way the 5 star results are so happy.
This app shows scores but they are at least 50-100 points off in the wrong direction.
I PAID for the service saw scores change weekly . But when they ran my credit for the house it’s was way under the needed and what I assumed was accurate..
It frustrated me because I paid for something to get the accurate data needed .. however it’s wrong and not accurate..
Sure it showed me the details of them running the credit and other items on my credit . But this is as bad as credit karma..
The score was 50-100 points off in the wrong direction.. they show you fluffed score . When it’s not that at all ..
By Penny & Stank
So I finally decided to sign up with myFICO and they asked me to upload a copy of my state issued driver’s license or Id. This is AFTER they’ve already asked for and charged my card for the $49.95 for the family plan! Is this common? I’m kinda nervous 😟 I’ve never had a credit monitoring service to request this. They’ve asked me security questions already which is typical! Is this a fraudulent app? I’m not sending my id in. They might be trying to steal my identity! This is weird and out of the ordinary! Why charge me BEFORE verifying my identity? No delay in collecting my money but a delay in providing the services that you’ve paid for? Sorry, I’ll stick with Experian and Credit Karma! Refund me immediately or I’ll be contacting my bank to report as fraud!
30$ for 3 months 1/5
They update you only every 3 months for 30, screw that !!!!
$30 a month! 1/5
By Doc/Coach B
Deleted immediately. No. Not paying you $30 a month.
won’t even let me create an account. 1/5
Downloaded the app, but I can’t even create an account- I keep getting a 502 Bad Gateway error.
A Must Have 5/5
Hands down, this is the BEST credit monitoring app next to Experian. These are your REAL scores—all 20 plus of them. What lenders showed me as the scores they pulled matched up exactly. I pay every 3 months to keep track of my scores because it is a bit expensive. But what price can you put on being armed with your scores that lenders will see and what you are entitled to for your interest rate?
Glitches OFTEN. 4/5
The app is great overall. I’ve been using it for about 5 years, however the score screen glitches OFTEN. It will give you an update in your alert notifications, but then not update the score screen. For example: Equifax or TransUnion will update with a 20+ increase to your score but the score screen will show a -20 decrease instead of the actual information. When you call myFico, they’ll say they don’t see that on their end and that you should just delete and reinstall the app or clear your cookies on your screen. But, I’ve seen this in the forums before as well. There is a definite glitch. If the glitch can be fixed, would be worth 5 stars!
Needs a horizontal mode for the iPad 1/5
By Swaying Ape
Very disappointed to see that apps like this are not implementing horizontal mode. I really hope to see a update for this in the future. I have my iPad Pro attached to the apple magic keyboard and it’s annoying to have to take off the iPad just to use this app. Come guys let’s get with the times.....
How deceptive 1/5
I signed up and gave my personal information that we all already feel uncomfortable with. I paid, got a confirmation email with an order number but I cannot log in as I have to “verify my identity” which seems to be common after reading comments and not some random error. How can I have a confirmation and simultaneously be pending verification?! Support is closed for more than 24 hours. I better have the option to NOT complete the transaction or this will be one easy credit dispute.
TOO EXPENSIVE 1/5
By Egné gni noua
This is fckn expensive
With the paid subscription, you’re “supposed” to receive an updated monthly report. However there’s no information on how to retrieve this “complimentary” report. I’ve always had to pay $50 for my complimentary updated report. So...clearly this app is a useless money grab.
Holy 🐮 1/5
What a joke
I don’t know why it’s super expensive. Experian 4.99 and that’s it