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Valued Member
Posts: 42
Registered: ‎01-09-2011
0

Credit Monitoring

Does anyone use USAA's Credit Monitoring and/or Identity Protection? Would you recommend it? Not recommend it?

 

I noticed it was offered and I wasn't sure if it was something that I should consider using. Any advice or recommendations is greatly appreciated.

 

Btw, I already subscribe to myFico SW and QM, but at this time I don't have access to my Experian credit report and it looks like USAA's credit monitoring offers access to Experian.

Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Credit Monitoring

I use their credit check monitoring premium. I love it in conjunction with myfico sw because it is very accurate in regards to information on all three reports. It also gives 3 fako scores that are on the conservative side, for example: my eq fako is 661 and my fico is 678 -- not that it matters much, but hopefully the ex is conservative as well since that's the only fico that I do not have access to. I monitor the info and get alerts as information changes on credit monitoring, then see the impact of it on my fico with sw. It has been an invaluable tool in my rebuilding success to date.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Regular Contributor
Posts: 179
Registered: ‎12-08-2012
0

Re: Credit Monitoring

I just signed up for Citibanks Monitoring service for $4.95 through this LINK normally it cost $12.95 a month and they offer a free upgrade to 3 bureau reporting and monthly scores. Cheapest I've been able to find up to this point. I was using USAA's till I found this.

Amex BCP 12,500 - Amazon Chase Signature 10,000 - Discover It 8,000 - Walmart MC 7,500 - Citi Diamond 6,100 - Lowe's 6,000 - Fulton 6,000 - Amazon Store Card 2,000
Blogger
Posts: 3,273
Registered: ‎10-19-2012
0

Re: Credit Monitoring


SE7EN57 wrote:

I just signed up for Citibanks Monitoring service for $4.95 through this LINK normally it cost $12.95 a month and they offer a free upgrade to 3 bureau reporting and monthly scores. Cheapest I've been able to find up to this point. I was using USAA's till I found this.


I'm interested in this service. Do you know if they refresh your reports everyday?

 

Regular Contributor
Posts: 179
Registered: ‎12-08-2012
0

Re: Credit Monitoring

I think they only refresh the scores monthly but any new info posted on any three of your reports would be posted immediately. I just signed up for it today.

Amex BCP 12,500 - Amazon Chase Signature 10,000 - Discover It 8,000 - Walmart MC 7,500 - Citi Diamond 6,100 - Lowe's 6,000 - Fulton 6,000 - Amazon Store Card 2,000
Valued Member
Posts: 42
Registered: ‎01-09-2011
0

Re: Credit Monitoring

Thanks for the information Swapmeet. I am going to sign-up myself and my husband.

Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: Credit Monitoring


SE7EN57 wrote:

I just signed up for Citibanks Monitoring service for $4.95 through this LINK normally it cost $12.95 a month and they offer a free upgrade to 3 bureau reporting and monthly scores. Cheapest I've been able to find up to this point. I was using USAA's till I found this.


WOW! Thanks for this info! I just signed up and it looks great! cheap too!


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Credit Monitoring


Cutie-Mama wrote:

Thanks for the information Swapmeet. I am going to sign-up myself and my husband.


No worries.

 



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Valued Contributor
Posts: 2,972
Registered: ‎02-09-2012
0

Re: Credit Monitoring


SE7EN57 wrote:

I just signed up for Citibanks Monitoring service for $4.95 through this LINK normally it cost $12.95 a month and they offer a free upgrade to 3 bureau reporting and monthly scores. Cheapest I've been able to find up to this point. I was using USAA's till I found this.


Thanks!

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Valued Contributor
Posts: 2,972
Registered: ‎02-09-2012
0

Re: Credit Monitoring

WAIT a second guys.

 

At the beginning of the sign-up, it mentions $4.95/mo

 

At the end AFTER you've paid, it tells you $1 for the first month and then $12.95/mo thereafter.

 

Cancelling...

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!

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