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Is FICO Quarterly Monitoring good and helpful? I mainly just want to know my FICO score(s). It seems like the cheapest from myFICO. I like the idea of being able to check my score(s) and report(s) 3 times a year (I know I can do this on annualcreditreport.com) and the extra features. It's much better than just purchasing my score(s) one time.
I much prefer to get my FICO score(s) free monthly. It seems like joining DCU or Getting a Walmart Discover card will do the trick, since I am not eligible for PSECU. Yet, I have so many HPs (maybe 5) in the past two months, I do not really want to get another one or two from DCU (joining and getting a Credit Card from them). I have read some posts here in the forum, it seems like not all the ppl have to have a loan or credit card from DCU to get the monthly free FICO score. But it's YMMV, right?
I'd like to get a second opinion for purchasing the FICO Quarterly Monitoring or joining DCU. Thanks in advance.
Oh, I forgot to mention that I do not like the idea of getting a Credit Card from GECR bank, because for some reasons, I always think GECR bank is a subprime lender and they have no customer service. So I don't want to get a Walmart Discover Card just for the free monthly FICO score.
Hey DigitalArk! ( I like your username! )
I like the ScoreWatch product the best. I haggled with the CSRs about the price and they were able to lower my monthly cost to $9.95 a month. Not bad for this type of sevice. Nice thing about ScoreWatch, you determine the settings to recieve updated info on your FICO score movement. Every time I get a new alert, I immediately go into settings and update when I want to get my next alert. For example: If I get a ScoreWatch alert stating my FICO has gone from 786 to 787, I immediately go and update my alert settings to alert me when my score changes again by 1 point. This is the best way to get the most out of this product.
I hope this was helpful.
Also, you might want to change your view of GECR. Though they will give CCs to individuals with very borderline credit profiles, they also give some very high CLs on their accounts. I have a Walmart CC with a 9K limit and I'm pretty sure that I could get it raised again if I desired to.. but that would be a waste of over-all optional available credit with my other creditors in my view. And though they have high APRs, so do a lot of the other major creditors. I've seen Amex approvals with lower CLs and 22%+ APRs.
Just my thoughts.
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
DCU will pull EQ for a hard inq when you sign up.
Forget about quarterly monitoring. If you want a good product to get regular FICO updates with a commonly used FICO version, use Score Watch. The Wal-Mart score is not a commonly used FICO (nor is myFICO's version), but if you shop at Wal-Mart anyway, then the TU08 score is a nice extra to have.... if not, I wouldn't get the card just for the score.
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |