Comments on: List Of MyFICO Promotion Codes and Discounts

By: Deal Therapy

Deal Therapy — Wed, 05 Aug 2009 06:18:10 +0000

I really appreciate with the information which you have write. Promotional codes, coupon codes, discounts and offers save the money of buyers. By providing these you can also market the product well.

By: Kelly

Kelly — Sat, 13 Jun 2009 17:45:53 +0000

Wanted to report that one lender I talked to was not interested in seeing the report I pulled myself from myFICO. He said that people have altered reports that they have pulled and thus the only credit score that his financial institution trusts is one they have pulled themselves.

I doubt I will be moving forward with this lender (not for this reason), but I wanted to mention it and see if anyone else had experienced this. It sounds like most people here are monitoring their credit for their own use, but the reason I came to know about this website was a lender’s webpage had a link. The lender suggested that borrowers pull their own credit reports when shopping loans so that the potential lenders weren’t all dinging your credit. Made sense to me.

By: FICO Codes To Go

FICO Codes To Go — Sat, 13 Jun 2009 04:59:24 +0000

Cool beans….got the free myfic code I wanted…got my credit score…pleasantly surprised. Too bad these free fico score trial periods are not re-usable an unlimited number of times. I think they cap it per credit card number or perhaps by identity.

By: Evansvile Coupons

Evansvile Coupons — Thu, 04 Jun 2009 00:28:35 +0000

There’s absolutely no reason not to use coupons. I’ve become very fond of them, especially lately with prices in the grocery skyrocketing. Why wouldn’t you use coupons, its like free money!

By: April

April — Mon, 01 Jun 2009 00:35:37 +0000

Question about the myfico credit estimator. How accurate is it in projecting one’s real fico credit score? It’s run by the same guys who created the myfico score so I assume their online testing system is pretty accurate. Has anyone tried to compare their myfico credit score estimations with their actual scores?

By: Sarah

Sarah — Fri, 22 May 2009 21:12:13 +0000

Okay I just used a myFICO code and got my credit score promo discount. Excellent deal. The myFICO code I used is still good and active…not sure about all of the myFICO promo codes listed above however. Maybe it’s time to update a few of them?

I got my hands on my Equifax FICO credit scores and my TransUnion FICO, but nowhere can I find my Experian FICO score. I read your blog post about Experian myFICO scores but it looks like I may be out of luck on this one.

But, Does the Suze Orman FICO platinum kit offer Experian FICO’s? The Suze Orman website link, if you read it carefully, gives some conflicting information. I’m not sure whether the guys over at myFICO have merely omitted some information or whether Experian FICO’s are still available. On one hand while it indicates that you get access to all 3 of your personalized myFICO credit reports and 3 myFICO scores (presumably from all 3 credit bureaus – Equifax, Transunion, AND Experian), it also indicates access to Equifax and Transunion scores only. I’m just a bit confused. Can anyone share the correct answer on this matter?

And Also, in regards to the hard credit pull and soft credit pull questions about concerning myFICO, no – getting your credit scores from myFICO does not ding your score. It’s considered a personal self initiated request and is perfectly harmless. I’ve been pulling my own FICO scores for years without harm. If it was hurting my score, I would most definitely know!

By: Kelly

Kelly — Thu, 21 May 2009 15:47:08 +0000

Thanks Christine (and Lev) for clarifying the difference between a soft and hard check. I’m looking for a construction loan and in this environment, I need every point I have on my FICO.

By: Lev

Lev — Thu, 21 May 2009 14:24:13 +0000

> Doesn’t it ding my credit score to get a report through myFICO.com?

No, it doesn’t. It only happens when a lender pulls your scores/reports.

By: Christine

Christine — Thu, 21 May 2009 14:18:39 +0000

Kelly—

myFICO.com is the official provider of fico credit scores. They are basically the online division of the Fair Isaac Corporation who developed the fico. They get royalty payments from the big three credit agencies (Equifax, Experian, TransUnion) when they use the fico formula in their credit score sale. Yes, you can indeed buy your fico credit scores directly from the 3 credit agencies but you can also buy them directly from myfico.com as well.

Both methods constitute as checking your own credit report and credit score. Both are considered soft credit checks that do not ding or harm your score. I have used the myfico scorewatch product for like 2 years already to get my regularly updated monthly fico scores and there have been no hard credit inquiries made on my reports. Even if you use the 30 day trial credit watch offer via myfico.com, it’s still considered a harmless personal credit pull.

By: Kelly

Kelly — Thu, 21 May 2009 05:47:00 +0000

Doesn’t it ding my credit score to get a report through myFICO.com? I thought the only way to avoid dinging one’s credit was to obtain a report DIRECTLY through the 3 credit agencies oneself, i.e. not via lenders while one is shopping for a loan. I realize myFICO.com is not a lending institution, but it’s still a 3rd party. Can anyone verify that there is no effect on my credit score when I sign up for the free 30-day trial to get my FICO score?

By: Dina

Dina — Tue, 19 May 2009 20:56:23 +0000

Just got my FICO score with the CPPSAVINGS promotional code. I think it’s the most reliable discount myfico code offer I’ve seen over the years. Easy peazy to use

By: Kate

Kate — Tue, 19 May 2009 18:55:56 +0000

I agree! It might not seem important now, but it’s important to monitor your credit score now so that it doesn’t cause a problem in the future. It’s just one of those small steps we call can take to make a big difference in our financial lives– or as the book calls it, The Power of Small. I’ll be paying even closer attention now. BTW– if interested, today’s post on My Two Dollars talks about credit scores as well and I found it really helpful!

By: AMH

AMH — Tue, 19 May 2009 15:34:56 +0000

Yep, you can’t wait until the last minute to check out your scores. Bad ratings mean bad loan rates and higher mortgage expenses.

By: Lev

Lev — Mon, 18 May 2009 18:32:12 +0000

> Your myfico score is only really important if you are anticipating a car buy or home loan.

I agree. But when you decide to buy a car or get a mortgage and you find out that your scores are too low it may be too late. So the time to check them and correct errors, etc is now, not when you need a loan.
Last year we got penalized half a point ($2500) because one of our scores was 718 instead of 720.

Regards,
Lev

By: Tina

Tina — Mon, 18 May 2009 18:17:00 +0000

Why the obsession with your credit score? Your myfico score is only really important if you are anticipating a car buy or home loan. Otherwise, it’s just another number that you don’t need to worry too much about.

Congratulations on your impressive FICO score Biggie Smalls, but it’s not exactly something that deserves excessive celebration over.