My Credit Plan - Pricing

As a non-profit, Family Financial (through My Credit Plan) provides your Classic FICO® credit scores used by all mortgage lenders, and most credit card and auto lenders.


Any credit report requested through My Credit Plan DOES NOT LOWER YOUR FICO SCORES.


Track Your Progress

My Credit Plan has a Setup Fee and an ongoing Monthly Fee that is month-to-month. When you complete the account setup, the program requests your 3 FICO scores and provides your plan-of-action. My Credit Plan then updates your progress by requesting your 3 Classic FICO scores at preset intervals: monthly, bi-monthly, and quarterly


You can choose one of the following options (you can change it after 30 days):


Regular Pricing


$

One-Time Setup Fee


Reports
$ /month

  • First monthly charge:
Reports
$ /month

  • First monthly charge:

Reports
$ /month

  • First monthly charge:

Momentum Loans Discount Pricing


$

One-Time Setup Fee


* If you select a Momentum Loans discounted pricing option, you grant approval for My Credit Plan to forward your name and contact information to Momentum Loans.

Reports
$ /month

  • First monthly charge:
Reports
$ /month

  • First monthly charge:
Reports
$ /month

  • First monthly charge:

Momentum Loans (NMLS 1606597) is a mortgage lender and a marketing partner of My Credit Plan. All Momentum Loans clients qualify for a discount on My Credit Plan fees. If you are not a Momentum Loans client, you can qualify for this discount by selecting the Discounted Pricing Option and a Momentum Loans loan officer will contact you.


Momentum Loans will also cover your costs associated with My Credit Plan (from the previous 12 months with up to $300 credit) when you take out a mortgage through Momentum Loans.


When Your Scores are Updated

If you choose the bi-monthly, your 3 FICO scores will requested at the beginning of every odd month – 1st, 3rd, 5th, (months) and so forth. My Credit Plan will update your lowest FICO score for the even months – 2nd, 4th, 6th (months) and so forth.


Quarterly updates your 3 FICO scores every 3 months with a single FICO score the following two months.


Program Options

Examples of Monthly, Bi-Monthly and Quarterly Programs and how often and how many FICO scores are up-dated.
Programs 1st 2nd 3rd 4th 5th 6th 7th 8th 9th 10th 11th 12th
Monthly - Scores 3 3 3 3 3 3 3 3 3 3 3 3
Bi-Monthly - Scores 3 1* 3 1* 3 1* 3 1* 3 1* 3 1*
Quarterly - Scores 3 1* 1* 3 1* 1* 3 1* 1* 3 1* 1*

* Identifies when a single FICO score is updated. The single score updated is the lowest of the 3 scores.