Am I wasting money? How do you monitor your credit?

[takeshi74]

I do get TU FICO 8's from Discover and Barclaycard, an EX FICO 8 from AmEx, an EX FICO 8  Bankcard from FNBO and an EQ FICO NextGen from PenFed, however, I really don't rely on these and find the report data much more useful.  If I was using a paid service I'd probably want daily pulls of all 3 reports.  FICO's would just be gravy for me.

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@jologan79 wrote:

What credit services are you all using?

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A more useful approach would be for you to tell us what you're specifically looking for from a monitoring service or services and then we can make some recommendations relevant to you.

Selecting monitoring services isn't one-size-fits-all or else we'd all use the exact same solution(s) and no one would use the alternatives.  People have differening needs/wants/priorities/preferences/budgets/etc.  Help us to understand all that and we can make suggestions reelvant to you versus just suggesting what we use regardless of relevance to you.

[98Supra]

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@jologan79 wrote:

I'm trying to cut some expenses and I'm looking at cutting my credit montioring services.

As of now I have the following services:

1. myFICO - $29.95

2. Equifax - Family Plan $29.95

3. Experian - $19.95

4. Transunion - $16.95

so I'm paying close to $100 a month for credit services...

I only got these so I can keep up, update each report whenever I want to. 

What credit services are you all using?

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If you were to call and cancel your subscription, you would be presented with a huge discount for those services. 

From personal experience, you can slash pricing upwards of 50% on the monthly billing. 

[Cotton_Britches]

Yeah, that's wasting money. If you're a AAA member, you can monitor all three of your credit reports for only $4.95 a month!  

[Anonymous]

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@Thomas_Thumb wrote:

For credit report summary information I use the following free services:

1) Credit Karma for Equifax and TransUnion

2) Credit.com for Experian

For monthly free Fico scores I have:

1) Discover card - Fico 8 Classic from TransUnion

2) American Express - Fico 8 Classic from Experian

3) AT&T Universal (Citi) - Fico 8 Bankcard from Equifax

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It's unrelated, but I just wanted to tell you that you are my credit score jedi. When I read the forums I always find myself checking to see if people post their scores. Yours made me do a double take! JOB WELL DONE!