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Hello. I was windering if anyone uses Citi IdentityMonitor and had thoughts on the service? I see there is a low cost offer floating around, is this legit?
I'm not rebuilding or applying for credit more interested in the monitoring service. Also, don't care that scores are not FICO. Thanks!
I just got the service myself so from what I can tell:
PROS
CONS
Note: I was previously using Experian's monitoring service (scores were off ~30 points?); was also playing around with Credit Karma (TU based; loved the graphs and everything but they were missing my oldest account so my AAoA looked horrible...)
EDIT: I'm not sure if I'm reading it properly but I think it might be free for all Citi cc holders? (at least for the Dividend and Forward -- under the benefit builder, you can add that as an option)
There are definitely better monitors out there, especially with their promotion rates.
I hope thats true, I just got the DIvidend and another free cms on top of CK would be nice. once I get my card in the mail later this week, I will report back.
@mirachi wrote:
I just got the service myself so from what I can tell:
PROS
- info is presented in a very clear way
- tells you ownership status of accounts
- from what I can tell, scores shown is very close to the one AMEX pulled (at most would be ~10 points off) (ofc, YMMV)
CONS
- doesn't have graph/pie charts to show UTIL and/or account break down
- doesn't give UTIL in percentages (it just tells you the balance & total CL for the card -- doesn't give % used for each individual card nor total % used across all accounts)
- doesn't give hard INQ number (again, it'll show who HP your report but you have to manually count them up)
Note: I was previously using Experian's monitoring service (scores were off ~30 points?); was also playing around with Credit Karma (TU based; loved the graphs and everything but they were missing my oldest account so my AAoA looked horrible...)
EDIT: I'm not sure if I'm reading it properly but I think it might be free for all Citi cc holders? (at least for the Dividend and Forward -- under the benefit builder, you can add that as an option)
Their alerts always come to me first. Timeliness is a big plus for this service.
A big minus is they do not have a score tracking tool. They also don't let you view past reports.
5 bucks for the monitoring of all 3 reports is worth it IMO.
Just got my Citi Dividend card in today, after activating it, I called and asked about the IdentityMonitor and was told it costs 13 dollars a month
A better deal is the same service for $4.95 a month.
I tried the employee link, but I'm unable to get the $4.95 deal. It was working a few months ago and it took me right to the $4.95 sign up.
Whoever has it, please PM me the link.
ETA: Nevermind. Just click the "Buy Now" link at the bottom (or top, I just clicked the bottom one).