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Best credit reporting service

New Member

Best credit reporting service

What's the best company to subscribe to to track my credit score and credit report? Thank you!
Message 1 of 11
10 REPLIES
Valued Contributor

Re: Best credit reporting service

USAA CMS is the most preferred, at least my me, and I've tried a LOT of them.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 2 of 11
Established Contributor

Re: Best credit reporting service

Ditto on USAA

Message 3 of 11
Moderator Emeritus

Re: Best credit reporting service

Ditto to USAA.....just ignore the scores and advice since they aren't FICO-related and lenders don't use them.

 

What many of us do is pair up daily pulls through services like USAA's and as we see changes to our CR, we come back here to pull our FICO score.

Message 4 of 11
Frequent Contributor

Re: Best credit reporting service

I've been useing the AmEx one and it's not bad in my opinion.  I still use MyFico though for my actual CREDIT SCORE! 


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


Take the FICO Fitness Challenge

Message 5 of 11
Super Contributor

Re: Best credit reporting service

True Credit

01/13/2018: FICO 829 EQ 823 TU 831 EX
Message 6 of 11
Regular Contributor

Re: Best credit reporting service

Can you pull all 3 reports daily with USAA CMS?

Message 7 of 11
Moderator Emeritus

Re: Best credit reporting service


mmmmmm wrote:

Can you pull all 3 reports daily with USAA CMS?



yes

Message 8 of 11
Regular Contributor

Re: Best credit reporting service

I assume anyone can sign up for the CMS, or is that still restricted to active duty members/family members of military?

 

Do they do a hard pull when you initially sign up for membership, or is that only if you were to sign up for a savings/checking/CC?

 

Thanks.

Message 9 of 11
Frequent Contributor

Re: Best credit reporting service


mmmmmm wrote:

I assume anyone can sign up for the CMS, or is that still restricted to active duty members/family members of military?

 

Do they do a hard pull when you initially sign up for membership, or is that only if you were to sign up for a savings/checking/CC?

 

Thanks.


No hard pull at all for the CMS, only softs. I believe they take anyone for the CMS as well, but they'll verify eligibility for insurance, and maybe some of the other financial products (not sure on that). There should only be a hard pull for a credit product (CC, etc.)

 

+1 for the CMS.

"Credit is purely a cash flow tool. Thinking of credit as extra money you didn't have before makes it an EXPENSIVE cash flow tool."
Message 10 of 11