Way too expensive 1/5
So many free ways to monitor your credit. These prices are a joke!!!!
FICO: we take your money FIRST 3/5
FICO takes your money first then you MUST call to verify your identity!
First I was mad then I realized it’s better for my security but I would appreciate it if they were more transparent before charging my CC!
I have Experian $10/month and love it but it’s not fully intensive like myfico! But I cannot cancel either because you have to pay to lock it! Equifax and TransUnion are free to lock!
Myfico shows me 3 companies of course for UN acceptable $40/month
But it’s a must if you want to apply for mortgage especially car loan. Apparently there are a looooot of scores you have to check before applying.
What you get from banks every month? Forget it! It’s just a general FICO 8 TOTALLY DIFFERENT than what lenders see when you apply for car loan!
Secret I discovered after reading a lot about it, that only lenders check a certain score that’s NOT SOLD to consumers! When buying a car called FICO score Auto enhancement!
So my humble advice: just buy it for 1 month or 2 before applying for a car loan to have the upper hand at the dealership or when negotiating with lenders!
Also use the simulator bar in the App or the website to see what you can do to increase your score! It’s also in Experian App or their website! I find it legit!
All in all I’ll only pay for it for 2 month till I finalize my new car loan then CANCEL IT!
MyFico you want my money every month? Don’t be GREEDY and make it cheaper!
You pay then verify your identity 1/5
Hey class this is what’s up wanted to monitor my fico scores ordered on Apple store then told information they have on file don’t match, in the mean time they placed a order with my credit card and after speaking with customers service they will release my $ in 7 day if I don’t verify my identity really calling bank . Apple can you please have one of your personal go through the App and see if they have the same problems as me . I am a grain of sand but there are billions of us our here that really hurt ☹️ just one grain of sand.
Only because no negative stars! 1/5
On Friday night I used my email and password of ten years to create an account. Paid 30$. Once the payment was complete, I had 0 access. I did the password reset process online several times. I never received the emails to reset. I spent an hour on hold with the company before they tried sending it to the exact same email except @icloud instead of gmail. Still no email. So I have had no access to any of my credit info. I asked for a refund. “Oh I’m sorry sorry from the moment you have access...”. I DO NOT HAVE ACCESS! “Sorry sir all I can do is stop payments going into the future. So basically I was just online scammed out of 30$ because of myfico system malfunction. Unbelievable. Total garbage. STAY AWAY
Wanted to try but $39 a month? 2/5
That’s a bit ridiculous. $39 a month (for monthly updates vs $29 for quarterly updates) is a lot of money especially when a lot of Banks now offer the same feature for free. I have an American Express card and they offer my Fico score free. It doesn’t show the breakdown but that is too expensive for my blood. Looks like a solid app but needs to be priced lower.
Perfect credit 5/5
If you really want to take care of your credit, this is the way to go.
Use Another Credit App 1/5
By Boston Danny
Worst credit app! Use Credit Sesame instead. I Placed an order online and got a message saying I need to verify my account before I’m allowed access. I called the number they directed me to and I was on hold for 26 minutes until a rude customer service rep came on the phone. The verification process involved me repeating my info 6x and being told to slow down. After being on the phone for 40 minutes, i told the rep to just cancel my order. Crappy app and crappy service.
The accuracy 5/5
After signing on and logging on I was able to repair my score base of how lenders view my score, wonderful app
$25+ A MONTH!? 1/5
I understand that service costs money but $25+ a month is freaking steep especially seeing how this is all automated and you have no personal contact with a human. MAYBE if you had designated phone support for questions and suggestions to improve your score I can see this costing what you’re charging, however, this doesn’t. I would pay $25 for a yearly subscription but definitely not a month. Anyone who is truly invested in saving money and improving their score wouldn’t waste money on this especially seeing as you can get this for free yearly. Stick to credit karma and your free yearly statements.
Great Tool 5/5
This app is great for monitoring your credit and knowing the things you need to do to better improve your credit situation.
Wasted My Time 1/5
By Ben Pruitt
I downloaded the app and registered 10/30. I answered the questions to confirm my identity. I received an email requesting a government ID. I replied and attached photos of my passport the next day. I also called the provided number given on the app login screen stating my account was locked. The customer service rep said I would be contacted regarding my account. No one ever called. I received an email on 11/5 stating it had been seven days since they requested my ID and my order had been cancelled. These are not people I want to have my legal information and now it’s too late.
Too expensive 1/5
I would use it for the info provided but at $39.95 for an individual. NO WAY! I’ll stick with Experian and free Credit Karma
Slow data updates and very expensive 1/5
The data is now slow to update compared varies other free options. Credit changes use to be almost immediately updated to app, but not so any more. Shame on you for such poor performance at the rates customers are charged.
Hard to cancel your service 1/5
I wanted to use this app to check my scores. It worked well for me but when I cancelled my service I was sent a notification that services would stop on the next cycle. It never stopped. I was somehow charged again. I called in to get a refund and cancel. They cancelled my service but I was not granted a refund. I was asked to dispute it with my bank. They make it so easy to get the service but very difficult to cancel.
Too expensive 5/5
By Moya Banton
This was a waste of $42 .the score that they provided was the same exact score that credit, provided for free
This is just an overpriced app that gives you what you can and should get for free. Use Credit Karma and the Experian app and you’ll get actual access to your credit scores and be able to contest any wrong information. Plus the information displayed in this app is several to dozens of points off. Don’t get ripped off.
Life changing 5/5
By Y GISELLE
I love using this app and keep me updated and alert me on credit change also what’s interesting on what to actually pay down to build my credit up which is a plus I love and app and will spread message to others thanks
Kenny French 5/5
Best score 5/5
This is the best and accurate score keeper!!!
Long Time MyFICO User 3/5
I have been using this app for at least 2 years. I used the free version which showed how much your score increase/decreased. Just recently, over the past couple weeks, they’ve removed that feature from the free service and where it would show how much your score increased/decreased, it now shows a lock. I think the features that were available and taken away should still be available to users who had access to them. I think it’s crappy to take away this feature and will probably be using and potentially subscribing to another service.
It says some features require a subscription but there is nothing you can do without a subscription and they are quite expensive compared to products from other companies.
Cost too much other are freee 1/5
By nhu con cac
Cost way too much other credit bureau are free
Why are you lying 1/5
People on here are lying about how good this app is . Give me a break don’t waste your time !! Please get free credit apps and get your yearly free credit report . I hate companies like this .
Very best 5/5
By Get it to me
Used this app during the process to fix credit for home loan. Accurate information, up-to-date notifications, scores are just as the mortgage lenders. Will continue to use to keep current of my credit score.
My FICO 4/5
By Azariah Seer
As of recently (a little over a year now) I have been focused and steadfast towards building up my credit score and profile. This app is extremely helpful in helping me stay up to date, the only knock I have against it is that it doesn’t provide specific details on what debt, derogatory mark, or collection it is that is still showing on my report ; For instance, it shows the total number of factors helping and/or damaging my score but when I click on it to get more details it just shows the number of negative accounts, but not specifically which account it is, nor any contact info regarding the debtor or agency for me to reach them. This is the only thing I pardon for that we get fixed, thank you guys!
Always on point....
Late update 3/5
Late updates ...
$30 a month is ridiculous 1/5
Insane amount of money just to be able to see your fico score at any moment, which rarely ever changes.
Useful Tool 5/5
One of the best tools I’ve found to help me monitor my credit!
Overpriced, stale data, feels a little like extortion 3/5
While the information supplied is useful, paying $40 for an update every 30 days is ridiculous. Of course when you create the means to hold everyone hostage to your secret formula, you can get away with undeserving while overcharging. How ironic that they are named “Fair” Issacs.
More frequent updates, free updates on demand for subscribers, or more modest subscription fees would be in order. After all, it is ultimately our data. Given what a poor steward the industry has been with our data, we need laws that put our data firmly under our control.
Love it! 5/5
Great tool to have!
It good but not great. 2/5
I need something that will let me know what I need to do to raise my FICO mortgage lenders score specifically and the timeframe prediction.
$360.00 per year😂 1/5
Just downloaded, yes it said it was a paid service. To be clear, I don't mind paying for something useful. The cost of this app is RIDICULOUS. Especially after reading all the reviews both here and online. $30.00 a year would be acceptable. Definitely not seeing the value in this app.
The Best Credit App 5/5
For those that are aggressively pursuing better credit scores, the myFICO app is everything from the desktop site inside your pocket. 28 credit scores, FICO score simulations, tips, etc - right in your phone.
I don’t understand how you take money before identifying who you are. Money was drawn from account before even identifying. I don’t like that. I got the questions wrong or rather one but that’s only because I didn’t know the answer because I didn’t set up my credit card so I don’t know the payment. Now I have to wait tomorrow which most likely means imma be waiting on hold for awhile. Rather not have to get money taken out until after I was identified.
It would be nice to create and track disputes directly from this website
Misleading/Paid Subscription To Use 1/5
It’s “free” until you try to create an account: it’s a $30 a month subscription for one person. Ridiculous and should be upfront so that I don’t waste time installing the app.
It’s ok pretty basic even when paying $20/month, more accurate - most credit cards offer it free 4/5
Cant figure out how to cancel from app for 2 months now.
Any app with the developers that respond is an app on its way up. :)
Keeps me on track and gives me the data I need
To help me focus on what is important
Great way to keep track of “real” credit scores. 5/5
By hickory hill 2828
Easy to use and very good may to keep tabs on your credit activity and overall credit health.
Love it 5/5
This app and site is amazing !
Accurate updates and Scores, plus outstanding customer service.
Another rip-off!! 1/5
Clearly this is a product sold by one of the three bureaus. It does tell me when I do different transactions but then it reflects a much more grievous impact than what actually occurs.My score is generally actually 20 to 30 points higher than what this app ever reflects. So it’s kind a like having a scale that tells you you’re always fat if you’re trying to lose weight. No matter what you do, you’re getting fatter. I paid down several accounts...score lowered. I continued to make all my normal payments and add a little above the minimum, the score lowers. I absolutely have no changes other than to continue making payments and applying for no new credit lines, and the score still lowers. Started at 702 and now I’m at a 682 with no change in anything.The good news about it is that when you actually have to run your credit it comes in way above what these crooks tell you it’s going to be. I think this is just a scam like credit karma and any of the other pay programs out there. They aren’t really hooked in, they are not using the same metrics, They aren’t very accurate. Then the upsell you for these reports that are pointless and even more worthless. I think these people should be sued for fraud.
By Auto Repair Shop
I’ve had this app for over 2 years and pay $58.00 a month and have had nothing but bad experiences with it. If you call the 1-800 number, they are no help and have limited things they can do which they ask questions to verify the account but can do nothing besides that. They sent me to the web site that didn’t offer my current plan and suggested a different plan and now they cannot do anything to change it. Only had four days and was told to purchase my regular plan, no option to do that. I can get the same thing for $20.00 less a month from experian. So that’s my next move. Cancel this one and move on. I guess; after my experiences, I don’t need myFICO. Not after this.
Officially obsessed 5/5
So far so great .. still learning the ropes with this app !! Loving it & wish I new about it a long time ago
Scam Alert 1/5
I have no idea how this is rated 4+ stars. I have to believe the developer has the ability to take down negative reviews; or they flood the reviews with made-up accounts and bots.
This is not a free app. It requires $30 a month... or more! Even with $30 a month required to sign up; that is just to have your FICO score updated quarterly (that’s 4 times a year). Considering that multiple credit cards offer a completely free FICO score (the exact same product) every month; why would you pay $30 a month for 1/3 of the service?
Makes sense this deals with credit since this app is predatory in nature; taking advantage of people that don’t know any better.
Even if you don’t have any of the credit issuers that provide a free FICO score; you can request a free annual credit report from each of the major issuers (they are required by law to provide them for free annually); and if you are ever denied credit they will also furnish a free report for you (also required by law for them to do so).
It would be hard to justify paying $0.99 a month for this service; and that would be if they updated it to refresh daily.
$30 a month for almost nothing? Don’t be fooled. If you are reading this; You don’t need to pay for things like this. Capital One, Discover, Chase, Bank of America, almost every major credit issuer will provide this service for free. Have bad credit and don’t think anybody will give you a line? Take the $360 you would spend on this for a year; and contact any of these issuers about a “secured” card using the exact same amount of money. The difference: At the end of it you get the money back instead of myFICO which gives you nothing.
Also check out the apps for CreditKarma, NerdWallet, and WalletHub. Each will give you a method to monitor your credit and using their own proprietary algorithm can guesstimate your score relatively close to what your FICO score will be: Also for completely free.
I hope this helps anybody reading this. For the people likely to not know much about credit; they also likely don’t need to have $30 a month subtracted from their limited finances for no reason.
Shame on the predatory creators of this app.
Unreasonably expensive and NO FREE TRIAL 3/5
I downloaded this to take a more serious and secure approach to my credit and identity protection. I was interested and it looked very useful. Then you sign up and they want $30 a month without any trial period to evaluate the service. I deleted the app thereafter. Any good service is worth paying for, but at the same time users should be given an opportunity to evaluate features and determine if the service is right for them. Not being cheap and complaining, but even one day trial would be enough for me because I was legit interested in this app. FICOwned :/
IS NOT FREE, first page $29.99 -$39.99 actual cost 2/5
it may or may not be a good app but it is NOT FREE.
1/2 report 2/5
I paid $59.98 for a 3b report but only received 2 of 3 from the bureaus.
By Pict guy
I’ve had this app for about 7-8 years, recent upgrades were untested or they intend to piss off current subscribers, formatted in landscape only displays in portrait cannot see or access what you want, information updated only monthly totally useless now, still trying to find link to un subscribe, will contact AMEX an Report as a fraudulent account. Do no subscribe they are not who they were!