Choose the option that works best for you. Remember, there is never a ‘Hard Inquiry’ on your credit report since My Credit Plan is operated by Family Financial, a 401(c)(3), non-profit certified credit counselor. My Credit Plan is for credit score improvement and credit counseling.
You can change your program anytime. When a program is changed, the FICO® Scores will not be updated until 30 days after the most recent program change.
1-Score Update
You can receive a rotating 1-(Classic) FICO® Score update between the three major credit bureaus. For example, receive your Experian® Classic FICO Score the first month, the Equifax® Classic FICO Score the second month, and the TransUnion® (Classic) FICO Score the third month.
This works best for those improving their FICO Scores over a longer period of time.
2-Score Update
You can receive a rotating 2-(Classic) FICO® Score update between the three major credit bureaus. For example, receive your Experian® and Equifax® (Classic) FICO Scores the first month, the Equifax and TransUnion® (Classic) FICO Scores the second month, and the TransUnion and Experian (Classic) FICO Scores the third month.
This works best for those improving their FICO Scores over a period less than 12 months.
3-Score Update
You receive all 3 (Classic) FICO Scores every month.
This option is best for those that want to track all 3 FICO Scores every month or need to make to track over a short period of time, such as within six months.