05-09-2013 11:50 AM
I am looking for some credit monitoring for all three CR agencies. Is there anyone out there who monitors daily and sends you notification about new inquires and chances to your file.
If they provide FAKO or FICO once a month than it is fine too but not requried.
I am using creditkarma and credit sesame right now but they are slow in monitoring and sometime i dont get alert at all.
So looking for something with not very high price per month..but who can monitor all three..
05-09-2013 04:11 PM
I use Eliminate ID Theft... (which in turn uses My Privacy Matters). I can pull all 3 of my reports every day for about $13/mo. It does give alerts and FAKO scores for all 3.
Its really helpful to check every day when things drop off or balances update, etc.
05-16-2013 02:15 PM
05-16-2013 02:17 PM
Apparently they have some bugs in their website - i keep getting error codes. Oh well, try another day.
You have to wait a full 24hrs between pulls. I use USAA. It costs a little more but you don't have to wait 24hrs, you can pull once a day with the clock resetting at 3AM EST. They don't have near the problem MPM does.
05-16-2013 04:59 PM
I signed up the other day with EIDT (MPM) for the $17.95/mo plan for myself and my fiance. As I have been grinding on both my and her credit, daily pulls are important. Alerts are nice too.
Signup wasn't difficult. They said I would have login info in 2-3 business days (which seems a bit long in a day of instant gratification), but I had the info in ~44 hours.
Logging in is a bit ass backwards, but once you login to EIDT.com, you can use the MyPrivacyMatters.com link from that point. Once you login to MPM, you have to login again under whatever account you want to view. Not a big deal.
I like the 3-in-1 report layout. I can see all of the TL's with info on who is reporting those TL's. Detailed account information is a little more sparse, (mainly account numbers and such) but it's not a huge ordeal as I can easily reference that TL to my more detailed reports from annualcreditreport.com. I know there were some complaints that you have to wait 24 hours to get an updated report. Not sure why this is a huge ordeal, unless you are overly obsessed to the point you have nothing else to do with your time than to refresh your credit report. Once every 24 hours is plenty IMO.
The only "catch" I had the first time was when I was trying to get an updated report. I assumed, incorrectly, that every day you login and click on "credit report" that it would show me the updated CR. It doesn't. I overlooked the "request new report" link quite a few times. My fault really. Otherwise the site is fairly intuitive. Graphics and "polish" is a little lacking, but it gives me the raw reports which is what I want. You can't beat the price. I'm paying less for daily pulls for myself AND my fiance than a single users pays for daily pulls with USAA.
05-17-2013 08:37 AM
I want to see the SP's on my CR but other then getting the one free yearly report I can't seem to find a way to see SP not HP? Am I missing something?
05-17-2013 08:56 AM
I'm no expert, but as I understand it the only way to get soft pulls is from either A) annualcreditreport.com or B) buying your report directly from each CRA.
I know EIDT/MPM, Quizzle, CreditSesme, etc do not show soft's.
05-29-2013 11:34 PM
go with USAA.......trust me.
EIDT is too buggy and their website look like something you can put up in about 10 minutes.
I get daily pull from all 3 at 11.48 a months for 6 months.
secredt is call in and say u wanna cancel ur service and they will offer you a half price from what is it, 22.95 to 11.48.(thats every 6 months)
and finally like i said, its a night and day between the 2 web sites
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