topic Re: Best Credit Monitoring Service in General Credit Topics

Best Credit Monitoring Service

n777ua — Thu, 03 May 2012 10:05:25 GMT

Anyone have a recommendation for the best monitoring service? I'd be looking for something that would let me pull a couple of reports a month with scores, and give me an alert when there is a new inq. Nothing fancy. I figure'd I'd ask the experts here what you use :)

Re: Best Credit Monitoring Service

amercnchopz34 — Thu, 03 May 2012 10:44:02 GMT

I have fako score from credit monitoring from USAA...Its 12.25 a month...pulls as many as yu want...plus gets all three fako s...... Also have score watch from this site......to get true scores...others just to compare....hope this helps...

Re: Best Credit Monitoring Service

visorboy1974 — Thu, 03 May 2012 10:50:16 GMT

I like USAA-CCMP as well. $12.25/month. Call in and ask them for a better rate and they may get you down to $6.12.

Re: Best Credit Monitoring Service

BigDaddy18 — Thu, 03 May 2012 10:53:08 GMT

I do not have USAA but that's what everyone is always raving about on here so I would take a look at them they seem to get the most thumbs up. myFico is good too you just won't get all three reports but there still good to go!

Re: Best Credit Monitoring Service

drkaje — Thu, 03 May 2012 11:59:17 GMT

USAA

Re: Best Credit Monitoring Service

Scamp — Thu, 03 May 2012 12:44:35 GMT

n777ua wrote:
Anyone have a recommendation for the best monitoring service? I'd be looking for something that would let me pull a couple of reports a month with scores, and give me an alert when there is a new inq. Nothing fancy. I figure'd I'd ask the experts here what you use :)

llecs' Credit Monitoring (Service CMS) Guide should be helpful. :smileyhappy:

Re: Best Credit Monitoring Service

n777ua — Thu, 03 May 2012 12:53:40 GMT

Thanks for the advice everyone but I do have a question..

I signed up for USAA and under the inq tab, how do I tell which inq's are hard and which are soft ? Or am I unable to do so ?

Re: Best Credit Monitoring Service

visorboy1974 — Thu, 03 May 2012 13:16:46 GMT

n777ua wrote:
Thanks for the advice everyone but I do have a question..

I signed up for USAA and under the inq tab, how do I tell which inq's are hard and which are soft ? Or am I unable to do so ?

Those are your hards. USAA won't show softs.

Re: Best Credit Monitoring Service

Whereis750 — Thu, 03 May 2012 14:24:26 GMT

Do you have to be USAA member to use their credit monitoring service?

Re: Best Credit Monitoring Service

SanityKills — Thu, 03 May 2012 14:25:33 GMT

No, you can sign up for their monitoring service only. That's what I'm doing.

Re: Best Credit Monitoring Service

Whereis750 — Thu, 03 May 2012 14:32:28 GMT

Thanks Sanity. Do you know if their service captures changes to your report in real time? Meaning if there is a change to a report this morning, you would know and see it today?

Re: Best Credit Monitoring Service

SanityKills — Thu, 03 May 2012 14:38:22 GMT

I think it depends upon when it's reported to the credit bereaus. I see hard pulls pretty quickly. You can only refresh once a day so there are 24-hour intervals between new data pulls but that's pretty much better than any other service I've seen.

The scores, however, haven't changed for me. Mine are stuck on 728, 728, and 728. I'm not sure if it's waiting to receive the next month's reports from the CB's or not since I've only had it for about 3 weeks. Credit Karma hasn't seen any new info as far as new accounts yet either so I really think it's up to the CB to report before it'll show on USAA.

Re: Best Credit Monitoring Service

MikeC80 — Fri, 12 Oct 2012 00:38:54 GMT

Does USAA allow a repull of all three bureaus once every 24 hours? Thanks in advance!!

Re: Best Credit Monitoring Service

MikeC80 — Fri, 12 Oct 2012 00:42:39 GMT

Nevermind, I found it. I guess my question is if you have a collection removed from Experian and Equifax, will you receive an update about it or do you have to pull a new report to see the changes?