Blew $120 on a credit monitoring app that didn't help my score at all

I signed up for this fancy credit monitoring service that promised to boost my score fast. After 3 months of following their advice to pay down specific cards, my score barely moved 10 points. Turns out they were just showing me stuff I could get for free on Credit Karma or my bank's app. Has anyone actually had luck with one of those paid services or is it all just hype?

3 comments

3 Comments

fionam112d ago

That's really frustrating, @mark_chen62. I feel for you, spending that kind of money and seeing almost nothing for it. It's tough because you want to do the right thing and pay for the "real" scores, but it's so disappointing when it doesn't pay off.

gavin_kim3d ago

Wait you paid $120 for something Credit Karma gives away for free?

mark_chen622d ago

Honestly @gavin_kim, I get why you'd say that, but Credit Karma just gives you a rough estimate, not your actual FICO 8 score. That $120 I spent was for my real mortgage scores from all three bureaus, which is what lenders actually use. There's a big difference between a free "educational" score and the ones that decide if you get a loan. I'd rather pay for accuracy than rely on a number that could be 50 points off.