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Established Contributor
n777ua
Posts: 566
Registered: ‎05-29-2011

Who's the best now ?

With the changes to the USAA credit report product, who would you consider the best value now ? The Experian product ? 

Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Business Gold NPSL, Chase Ink Bold $15k (flex)Chase Sapphire Preffered $26k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $10k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $4k, GE Lowes $6k, BillMeLater $4.4k, Target $.2k, CapOne $2k Von Maur NPSL,
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Who's the best now ?

probably still USAA since you can get unlimited pulls for a $11 price if you talk to them

 

But I prefer annualcreditreports / psecu / dcu / walmart combo =D I don't think I really need a daily puller anymore since my reports are clean but o wells I get bored =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
n777ua
Posts: 566
Registered: ‎05-29-2011

Re: Who's the best now ?


distantarray wrote:

probably still USAA since you can get unlimited pulls for a $11 price if you talk to them

 

 

So if I call to cancel I'll get a better offer ? 

Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Business Gold NPSL, Chase Ink Bold $15k (flex)Chase Sapphire Preffered $26k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $10k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $4k, GE Lowes $6k, BillMeLater $4.4k, Target $.2k, CapOne $2k Von Maur NPSL,
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Who's the best now ?


n777ua wrote:

distantarray wrote:

probably still USAA since you can get unlimited pulls for a $11 price if you talk to them

 

 

So if I call to cancel I'll get a better offer ? 


yep


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: Who's the best now ?

[ Edited ]

>>>>>>>>>>>>>>>>>

 

I am :smileyhappy:

 

Not what you meant? haha

 

 

 

I think most of the time credit karma is all you need. The score doesn't really matter, it is the info behind the score that matters. I have never paid for a credit report.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Valued Contributor
kevinjjc
Posts: 1,301
Registered: ‎01-14-2009

Re: Who's the best now ?

@Dustink, Credit Karma only shows your TU info. You can use Credit Sesame to see your EX info, it's also free and the info refreshes monthly.
Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009

Re: Who's the best now ?

eliminateidtheft.com allows for daily pulls of all three.  If you pay upfront, you can get a price of $180/year for two people, so $15/month for both you and your spouse (I don't think it has to be a spouse, but can't remember).  I think that's one of the best values out there that allows for daily pulls of all three.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Established Contributor
n777ua
Posts: 566
Registered: ‎05-29-2011

Re: Who's the best now ?

Just called to cancel and got the unlimited for $11 and change.  Very nice CSR told me to call and six months and I could probably "continue at this price"

 


distantarray wrote:

n777ua wrote:

distantarray wrote:

probably still USAA since you can get unlimited pulls for a $11 price if you talk to them

 

 

So if I call to cancel I'll get a better offer ? 


yep




Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Business Gold NPSL, Chase Ink Bold $15k (flex)Chase Sapphire Preffered $26k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $10k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $4k, GE Lowes $6k, BillMeLater $4.4k, Target $.2k, CapOne $2k Von Maur NPSL,
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Who's the best now ?

Don't forget Quizzle from the makers of turbo tax the ONLY website that actually gives you a credit report on Experian without a credit card number and 100% free. Although your only able to pull once every 6 months and DO NOT EVER TELL THEM YOUR LOOKING FOR A CAR OR A MORTGAGE lol you'll be spammed to hell but besides that it's great if you say your not in the market for anything lol


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Frequent Contributor
SwampSystems
Posts: 358
Registered: ‎06-25-2012

Re: Who's the best now ?

I just use the "View Report Again" link at the bottom of Experian's website.


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