Which Credit monotoring do you have?

[ChistineNJ]

Since pre-bk i signed up for credit monotoring services am subscribed to EXperian, myFico, TU, and wells fargo, doing the math this will cost in the 500/year im going to drop WF next cycle.I only want to keep 1 product. out of these wich product is the best for the cost? Why and why not? Anyone using one i did not include? I like the experian product out of this group, i beleive its 17.95/mo slated to go up to 19.95 you can refresh your report daily, get alets, mnthly statements, credit graphs credit score stimulator to name a few..

[grassfeeder]

i keep it to Score Watch.  Why?  Cause it's a Fico product, accurate - updates as necessary, gives me exactly what I need and nothing more.

[shols44]

I use USAA, all three refreshed daily for 12.95. I also sign up for score watch for three month periods when I'm planning on apping. You have way too many services. I use creditKarma (free), creditsesame (free) and quizzle (free) as well for periodic updates. Cut down to one for creditmonitoring, and monitor your fico score only when you feel an app in near. 

[DaveSignal]

I used to use USAA.  I was on a promotion for cheaper daily pulls, but my account got messed up when I moved to UK somehow.  USAA took to long to fix my issue, even when trying to explain that the CMS was not working over the phone multiple times, so I ended up switching to EIDT.  EIDT doesn't get set up instantly, but it works the same way.  The reports can be pulled every 24 hours and it is cheap at $12.95 monthly.   One thing I like:  It shows the exact date when each creditor last reported.   One thing I don't like:  For daily pulls, you have to time it so that your request is 24 hours or more later than your last request for an update.  If you try earlier, you don't get all of the reports until the next day.

[ezdoesit]

I use USAA.  Even if they are not FICO's they a least give me an idea of my score and alerts on any changes on all three daily.  All for 12.95.  No I don't work for them even if it sounds like I do.  LOL

[shols44]

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@DaveSignal wrote:

I used to use USAA.  I was on a promotion for cheaper daily pulls, but my account got messed up when I moved to UK somehow.  USAA took to long to fix my issue, even when trying to explain that the CMS was not working over the phone multiple times, so I ended up switching to EIDT.  EIDT doesn't get set up instantly, but it works the same way.  The reports can be pulled every 24 hours and it is cheap at $12.95 monthly.   One thing I like:  It shows the exact date when each creditor last reported.   One thing I don't like:  For daily pulls, you have to time it so that your request is 24 hours or more later than your last request for an update.  If you try earlier, you don't get all of the reports until the next day.

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The 24hr thing with EIDT drove me nuts. I'm not currently pulling daily but at a time I was and I would loose it when I accidentally pulled early and had to wait another 24hrs.

[DaveSignal]

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@shols44 wrote:

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@DaveSignal wrote:

I used to use USAA.  I was on a promotion for cheaper daily pulls, but my account got messed up when I moved to UK somehow.  USAA took to long to fix my issue, even when trying to explain that the CMS was not working over the phone multiple times, so I ended up switching to EIDT.  EIDT doesn't get set up instantly, but it works the same way.  The reports can be pulled every 24 hours and it is cheap at $12.95 monthly.   One thing I like:  It shows the exact date when each creditor last reported.   One thing I don't like:  For daily pulls, you have to time it so that your request is 24 hours or more later than your last request for an update.  If you try earlier, you don't get all of the reports until the next day.

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The 24hr thing with EIDT drove me nuts. I'm not currently pulling daily but at a time I was and I would loose it when I accidentally pulled early and had to wait another 24hrs.

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Yeah, I don't like it either.  I wouldn't have switched if my original USAA service was working correctly.  But I avoid the 24 hour issue by making a note of the time I am pulling the reports each day.

[Countingpennies]

I use both USAA and EIDT/MPM. The scores are fakos, but they are both good for monitoring all 3 reports on a daily basis. I am currently deciding which one to keep. My USAA is $22.95 and EIDT is 12.95, so it will probably be EIDT. Even with the 24 hr. timekeeping issue, I've found I get alerts faster with EIDT, and IMO, YMMV, the layout and information is most like my full CRA reports. USAA's fako scores seem closest to my actual Ficos, whereas on EIDT, TU and EQ are close, but EX can be off 30-60 points from my EX Fico as well as all other fakos. I've heard others say that when you call to cancel the 22.95 USAA, the CSRs offer to reduce the price, and a lot of people prefer USAA.

[SoulMaster]

USAA, CreditSesame and Credit Karma (the free versions of the latter 2).

I have ScoreWatch, too, but only because I haven't cancelled it yet.  It's overpriced nonsense, considering none of the lenders use that FICO model anyway.

Interestingly, there are 50+ different FICO variants and hundreds of non-fico credit scores. FairIssacs and the credit bureaus earn $14.7 Billion a year selling us scores that no bank will ever use (and scores that don't matter much anyway if you recon).  You heard me.  Fourteen point Seven BILLION dollars.  

It's the meat of the report that matters.  USAA is perfect for that.

-SM