@DI wrote:
I don't waste money on any of those credit monitoring services.
To some people it's not a "waste".
Which category of "friendly, supportive, and respectful" does this unsolicited negative comment fall into? Every member here in the forums is taking part in an environment CENTERED around improving credit, monitoring current reports, attempting to make positive gains in the credit world. To a LOT of people, that means credit monitoring is helpful. Making positive and helpful comments about advantages or disadvantages of certain services is certainly in line with the spirit of this community, but the holier-than-thou attitude regarding what other people do with their money or what their goals and methods are is getting old, and I see it in almost every thread from certain members.
It makes me feel unwelcome to try to contribute to the community and I'd appreciate it being kept in check.
Thanks.
In reference to the OP, because Discover offers a Plus score, it does not correlate directly to your FICO scores, which most feel are the most useful scores to monitor and improve. Any monitoring service that allows you to pull reports at your leisure and see trend data is useful, but for an $8 monthly fee, there are other services that may be more beneficial (i.e. USAA Credit Monitoring Premium allows you to see three FAKOs, and pull a new report from all three bureaus every day. If you are just looking for trends or foor constant monitoring, this is a good bet. if you are aiming for a certain loan and need to get your fico to a certain score, you may need to belly up to the bar and pay for true FICO scores [though you can find discount codes if you search around!]).
Good luck!
