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Best Credit Monitoring Service

Established Contributor

Best Credit Monitoring Service

Anyone have a recommendation for the best monitoring service?  I'd be looking for something that would let me pull a couple of reports a month with scores, and give me an alert when there is a new inq.  Nothing fancy.  I figure'd I'd ask the experts here what you use Smiley Happy

About $215,000 total credit among 11 cards
Message 1 of 14
13 REPLIES
Established Contributor

Re: Best Credit Monitoring Service

I have fako score from credit monitoring from USAA...Its 12.25 a month...pulls as many as yu want...plus gets all three fako s...... Also have score watch from this site......to get true scores...others just to compare....hope this helps...

Message 2 of 14
Valued Contributor

Re: Best Credit Monitoring Service

I like USAA-CCMP as well.  $12.25/month.  Call in and ask them for a better rate and they may get you down to $6.12.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 3 of 14
Frequent Contributor

Re: Best Credit Monitoring Service

I do not have USAA but that's what everyone is always raving about on here so I would take a look at them they seem to get the most thumbs up.  myFico is good too you just won't get all three reports but there still good to go!


Starting Score: EQ FICO 777
Current Score: EQ FICO 803
Goal Score: EQ FICO 810


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Message 4 of 14
Senior Contributor

Re: Best Credit Monitoring Service

USAA


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Message 5 of 14
Valued Contributor

Re: Best Credit Monitoring Service


n777ua wrote:

Anyone have a recommendation for the best monitoring service?  I'd be looking for something that would let me pull a couple of reports a month with scores, and give me an alert when there is a new inq.  Nothing fancy.  I figure'd I'd ask the experts here what you use Smiley Happy


llecs' Credit Monitoring (Service CMS) Guide should be helpful. Smiley Happy

_____________________________________________________________________________
It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

Backdoor Numbers, Credit Scoring 101, Understanding Your FICO Score PDF
Message 6 of 14
Established Contributor

Re: Best Credit Monitoring Service

Thanks for the advice everyone but I do have a question..

 

I signed up for USAA and under the inq tab, how do I tell which  inq's are hard and which are soft ? Or am I unable to do so ? 

About $215,000 total credit among 11 cards
Message 7 of 14
Valued Contributor

Re: Best Credit Monitoring Service


n777ua wrote:

Thanks for the advice everyone but I do have a question..

 

I signed up for USAA and under the inq tab, how do I tell which  inq's are hard and which are soft ? Or am I unable to do so ? 


Those are your hards.  USAA won't show softs. 

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 8 of 14
Regular Contributor

Re: Best Credit Monitoring Service

Do you have to be USAA member to use their credit monitoring service?
Message 9 of 14
New Contributor

Re: Best Credit Monitoring Service

No, you can sign up for their monitoring service only.  That's what I'm doing.

CreditKarma TU: 680 | Credit.com EX: 668 | Equifax EQ: 671 | Credit Sesame Simulated FICO: 736
Citi Platinum Select: ($6900), Chase Freedom ($3500), Amex BCE ($5000), Amex CLEAR ($6000), Barclaycard Ring ($2800), Barclay Rewards MC ($2500), CareCredit ($4100), Kohls ($1000) | UTL: 3.14%
Message 10 of 14