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MyFICO - FICO Score Monitoring App Complaints & User Negative Comments 2024
MyFICO - FICO Score Monitoring app received 27 complaints, negative comments and reviews by users. Have you ever had a bad experience using MyFICO - FICO Score Monitoring? Can you share your negative thoughts about myfico - fico score monitoring?
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MyFICO - FICO Score Monitoring for Negative User Reviews
✓ Sorry but this was my experienceThis 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..Version: 2.8.7
✓ Free Services Are Better Than This AppAfter paying for MyFICO for several years, I’m about to cancel my account. For all the great things that the app does, it doesn’t provide basic useful information. For instance, if a delinquent account is removed from your credit, it doesn’t tell you what account it is related to. You have to pull out credit reports and compare what changed from last time and a bunch of other crap. Even Credit Karma (the free service) will tell you this info. And with many credit cards and banks providing free credit updates, etc…..tell me why I pay monthly for a service that WON’T (they can, but choose not to) provide simple information? See ya ✌🏽.Version: 3.0.8
✓ I’m not sure I understand ?I often look at other websites that I pay for. One is Transunion, which recently showed my score dropping 14 points for whatever? I should not worry because it doesn’t affect my credit worthiness. Many times it has been as high as 644. However this number is not reflected on my Fico score website that I check frequently. Why the disparity? Can you please help me understand this proceeds? I’m working hard to rebuild my credit. Thank you for your time and consideration..Version: 2.7.5
✓ You pay then verify your identityHey 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..Version: 2.8.1
✓ MyFICO is a total scamMyFICO scores are almost 100 points below my actual Equifax, Transunion and Experian score. I've done everything to bring up my credit the past year and while my scores continue to raise on the Equifax, Experian and Transunion apps it drops on MyFICO. Increased my credit limit by 20k, paid off debt, had lawyer remove all negative comments... yet MyFICO plummets while the actual scores go up. I was told that maybe I needed to pay to refresh my data (even though I pay $39 a month and the score drops DAILY) so I spent an addition $100 on new reports this month and they just continue to drop for no reason. Having lawyer take over at this point. So sad the American people have to work a total scam to buy a home!.Version: 3.0.2
✓ The app is fine, the service is not.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..Version: 2.8.10
✓ Unreasonably expensive and NO FREE TRIALI 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 :/.Version: 2.7.7
✓ A One Look AppWhen you first purchase this app it seems like an incredible tool. Your FICO scores in various forms, and many useful pieces of information. After a week you realize that everything you have already seen the first day, never changes, is not updated. Not until a month later when they charge you the monthly fee again, and you get only one look with no updates for another month. I paid $40 for the premium service. It was a complete waste of money. All this information can be obtained for free online..Version: 2.9.1
✓ No free optionI’ve been using credit karma for a while and have been happy with the way it immediately keeps you up to date on credit scores, but I’ve found that my FICO score is about 50 points higher than what credit karma shows because FICO is a more complete snapshot of your credit history. I get free FICO scores through my Discover card, but I was hoping for a more complete picture by going directly through FICO. Once I downloaded the app I found that there is no Free option to see your credit score. I don’t feel it necessary to spend hundreds of dollars a year, unless maybe I was buying a new house or something, but even then it seems unnecessary when you can get one free copy of your credit report each year directly from the provider(trans union experience etc). I feel the app is misleading by never mentioning that there is no free version. It only mentions that “some services” are only available with a subscription. I tried calling the 800 number but gave up after lengthy hold time. I don’t want to say this app is a scam, but it really doesn’t provide any value for service..Version: 2.5.3
✓ $25+ A MONTH!?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..Version: 2.8.1
✓ Feels unsafe.Spent way too long trying to set this up only to never show that I have. I have had to enter my ssn way more times than I’m comfortable with and am still showing no evidence they have all my info. I’m giving up and will now monitor my credit for the next year because I feel like I’ve been tricked into giving all my info. Something this vital shouldn’t be so glitchy. Take it seriously that you have an individual’s incredibly private personal info. Super lame. Super disappointing..Version: 3.0.14
✓ Losing CustomersI’ve noticed many are in the same boat as me in that paying $40 a MONTH is way too much for the “service” provided. Clearly app developers are okay with losing all the people that saw $40 a month and said “F no!”, but maybe the more of us that the developers actually witness leave and delete the app, they might think about offering a lower expense option. Til this happens this app is an absolute no from me! Especially considering those who’ve paid firsthand say it’s overpriced. 😐.Version: 3.0.8
✓ Not Accessible With VoiceOverI downloaded this app to get a more comprehensive idea of my credit scores and issues from all three credit reporting bureaus. Unfortunately, there are some issues with accessibility. I’m a blind VoiceOver user, and there are parts of the app that VoiceOver can’t read, such as my actual credit scores. I would appreciate it if the developers would fix this issue so that I can use it just as effectively as a sighted person. Either that, or I’d like a full refund. I shouldn’t have to pay for a service I can’t fully use..Version: 2.8.5
✓ Not NecessaryNot all financial businesses (your creditors) have these yet, but to pay for credit reports and credit scores is a waste of money. Most financial organizations are giving you free credit scores now monthly or instantly. Check with all your current creditors online or call them. I currently have 8 different creditors that do and more every month. They also represent all three credit reporting agencies, and most use the Fico Score. Also your credit report is free every year, just order one every 4 months from a different credit reporting agency. Good luck improving your prchasing Power!.Version: 2.7.3
✓ Wasted My TimeI 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..Version: 2.8.1
✓ Not worth the moneyThis app is good for checking your credit score and making sure that it’s somewhat in line with the other bureaus. But if you’re looking for an accurate score, go someplace else. It told me my credit dropped four points, and when I went to it, it said, you have a negative item effecting it so tap on the category for additional information and it’ll show you everything, the problem is it never does. The app doesn’t work properly. Don’t waste your money on it..Version: 3.0.14
✓ Overpriced, stale data, feels a little like extortionWhile 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..Version: 2.8.1
✓ Version 3 is a good, not great, but beautiful improvementWith the release of Version 3, this is a great step in the right direction. The UI has been refined a good bit, which improves the overall UX. The changes are very polished and Face ID is much faster, which is a welcome fix. I also like the new "Score History Table" feature; that is very useful. However, there are still two issues with Version 3: 1. FICO 9 is still under "Other Loans". FICO 9 should be on the main UI right above FICO 8. (FICO 9 is the newest, and while it may not be as heavily used right, it is increasing in usage.) Put FICO 9 on the home screen right above FICO 8. Add an explanation that FICO 9 is the newest or something. 2. The FICO 10 and 10T scores are still missing. Here's an idea that fits in the 21st century: allow us to "swipe" through the various scores. You can default to FICO 8, but allow swiping left and right on that tile on the "Scores" page. (FICO 8 -> FICO 9 -> FICO 10 -> FICO 10T -> back again).Version: 3.0.0
✓ Mediocre at BestIt’s mediocre. I recently signed up for service this month. So far I’ve been unimpressed with the application as a whole. I still pay for Experian services but I wanted to give MyFICO a try after reading up. Glad I didn’t cancel Experian yet. MyFICO updates extremely slow. It took me around 3 weeks to get any updates. Funny enough I received updates for Transunion and Equifax before receiving an update from Experian. I know this because a) I still have Experian and b) I recently tried “credit check total” and got my 3 bureaus report twice for feee. Furthermore when I called support for MyFICO I was told it took a couple weeks for the system to synchronize. Uhhhh...you just took my $50 for a service and your system isn’t fully functional for paid service. That’s weird. So you take my money but I won’t get the service until later?!?! Didn’t see that in the fine print. Anyways - I might as well finish my month. I do like the community. Very friendly and extremely helpful. The customers are about all MyFICO has going for it. The irony..Version: 2.7.1
✓ This is $20/month minimum, up to $40/monthNoticed it had no “in app purchases” showing and assumed this rating information was a complimentary service. These FICO thieves who steal and monitor our personal data (while claiming it to be their “property”) have repeatedly shown no conscience or accountability for what they do with it. Foolishly assumed this was an effort by them to be more transparent, haha. What a business model- spy on our lives and accumulate tons of personal data that they claim is their own. Then leverage it against us, and hide it from us unless we cough up $20-40 per month to see just a little sliver of what they are doing with our data. And the fact they even have to do that despite all their regulatory capture is we still had some vestiges of Ralph Nader’s legacy in the government that forced the credit bureaus to share some of what they’ve been up to with our PII. We need to push for a law that puts ownership of our data into OUR hands, and these companies can pay US to “rent” access. I’ll be happy to discuss MY terms for this $20-$40/month service I’ll provide to FICO, Transunion/Equfax/Experian/Nexus-Lexis…...Version: 3.0.15
✓ Disappearing paid reports.They intentionally erase you previous paid for reports just to force you into paying for a subscription to their service. Forget them. They don’t deserve my money cause they just sell our personal information without our permission anyway. Just don’t give them your money. There are plenty of places where you can get enough information about your score. Sign up for all the free sources regardless if it’s a real score or not, then do an average of them all. Drop the highest & lowest. Add up the rest and divide by how many scores you added up. That is almost always as close to a real score you will ever get anyway. Besides there is not just 1 score, there are hundreds, depending on who is looking at your score and what version they use..Version: 2.7.2
✓ FICO: we take your money FIRSTFICO 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!.Version: 2.8.1
✓ Website has outdated information.I called Myfico customer service because the information on their app and website is outdated and not accurate. On their website they have stated “instantly access your credit report from Equifax so you can check for errors that may be holding you back” and when I called I got a lady going back and forth with me about my FICO score. I was trying to explain the Equifax data is outdated but she didn’t care. Avoid this app, the information is not up to date at all..Version: 3.0.15
✓ Not accurate DO NOT PAY FOR THIS APP!!!I have used other sights and credit accessors was happy with them but wanted an accurate actual fico score. This was not it. Things were missing from my report, including key collections I was looking to pay off and see how they would affect my score. They were not even on here. What a waste of money it took me 20 minutes to realize I had been scammed. Then I spoke with someone in customer service who acknowledged the faulty reports they were showing but was told a refund was impossible...DO NOT PAY FOR THIS APP!!!!.Version: 2.7.6
✓ This is very badIf 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..Version: 2.8.11
✓ OFFER TRIAL PERIODS.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..Version: 2.8.7
✓ Inaccurate and faulty...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..Version: 2.8.9
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