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Contributor
Posts: 110
Registered: ‎01-19-2010
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Discover Credit Score Tracker

$8 a month for Experian score and report. Is it a FAKO score? Is the report a full, real report? Might be worth it, even if the score is BS. Opinions?

Starting Score: 652 - 10/09
Current Score: 718
Goal Score: 800+


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Moderator
Posts: 15,172
Registered: ‎07-14-2009
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Re: Discover Credit Score Tracker

I don't see the word "FICO" anywhere in the explanations for this so I conclude all the scores are FAKO until and if someone corrects me.

 

I don't know if they are complete reports or not but it's not worth $8 a month to me. Of course I have no use for any of these monitoring services. To me they are all a waste of money. Just MO.

 

 

From a BK years ago to:
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802

You can do the same thing with hard work

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Established Contributor
Posts: 739
Registered: ‎06-30-2007
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Re: Discover Credit Score Tracker

It;s a EX service not even a Vantage score
People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS
Valued Contributor
Posts: 1,413
Registered: ‎01-20-2008
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Re: Discover Credit Score Tracker

[ Edited ]

I tried that one a year a go, and I did not like it.  It is worthless.   Don't waste your money, even only $8.   Instead, better to have Identity Protection. 

You may want to try these:

 

Discover Identity Theft Protection

Monitor all three but, CR is Experian Only. 

However, the credit score is exactly same as Experian Triple Advantage CR I just requested.

http://www.discovercard.com/protection-solutions/identity-theft.html 

 

Chase Identity Protection 

Monitor all three and CR from all three.

FACO ... kind of higher than actual, but I get to see the score is went up or went down.

The most important is protect your identity.  

https://www.chaseidprotection.com/product_bundle.aspx

 

Check this post:  http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=99170

Message Edited by bunnyrabbit on 03-05-2010 12:06 PM
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Frequent Contributor
Posts: 483
Registered: ‎05-06-2009
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Re: Discover Credit Score Tracker

USAA CreditCheck® Monitoring Premium from Experian®

 

$8.95 per month, unlimited CR pulls from all 3 bureaus, with FAKOs.  If you are monitoring your accounts and trying to take care of issues, I haven't found a better deal.  Used in combination with an occasional FICO pull from here, can be very useful.

Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
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Re: Discover Credit Score Tracker


jausanka wrote:

USAA CreditCheck® Monitoring Premium from Experian®

 

$8.95 per month, unlimited CR pulls from all 3 bureaus, with FAKOs.  If you are monitoring your accounts and trying to take care of issues, I haven't found a better deal.  Used in combination with an occasional FICO pull from here, can be very useful.


the price shows as 12.25/mo for me :smileysad:

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Frequent Contributor
Posts: 483
Registered: ‎05-06-2009
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Re: Discover Credit Score Tracker

Through USAA?

If you have a USAA account, just go to your offers or Shopping and Discounts, I believe.. Automatically gets you the $8.95 per month rate...

 

If you don't have USAA, the price will vary.

Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
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Re: Discover Credit Score Tracker

yes, through usaa.  tried to get to it from different pages, but no dice :smileysad:
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.

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