General Credit Topics

[Brian_Trying_700]

Probably mentioned here before, but I can't find it. Which credit monitoring service would you consider the best. Score Watch etc. ?

[marty56]

True Credit (cost, daily TU pulls, provided info)

Score Watch (FICO score monitoring)

[ctb89]

USAA resells Experian's CMS for pretty cheap. That's what I use in addition to Score Watch bc you can do daily 3 bureau pulls.

[drkaje]

For daily monitoring while rebuilding? I'd have to go with USAA's service. Equifax has one that works pretty well, too!

[bichonmom]

Here's a link to the CMS guide: http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Monitoring-Service-CMS-Guide/td-p/66254...

I have USAA CMS $12.25 / month

EQ ScoreWatch

EQ Credit Watch Gold

If you're a member of Navy Fed, you can get discts on the EQ products thru Navy's website.

USAA's CMS gives you the most bang for the buck. You get a 3-in-1 CR daily  if you want. They monitor all 3 CRAs. And you can pull a full EX CR. Plus their CS is in Texas and very friendly.

EQ Credit Watch Gold is a little redundant. They also monitor all 3 CRs; however you can get a daily full EQ CR w/this service.

EQ Score Watch only monitors changes to your EQ CR and also monitors your score, so you get an alert everytime your score changes. It's not really necessary, but many of us are a bit FICO-obsessed.

Also, note: These EQ products, plus ScorePower, are the ONLY EQ products w/a true FICO. All other EQ credit products w/give you a FAKO. You need to read the description to see if they just say "score" or actually use the word, "FICO."

[LS2982]

I have subscriptions to:

EX FCR.com CMS

EQ myFICO Scorewatch

EQ Complete CMS

TU Truecredit CMS

TU myFICO QM

I'd have to say TU Truecredit is the best non-FICO score CMS because it gives daily TU reports and 3 bureau reports once a month for $14.95

[ctb89]

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LS2982 wrote:

I'd have to say TU Truecredit is the best non-FICO score CMS because it gives daily TU reports and 3 bureau reports once a month for $14.95

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Why do you say that's better over USAA...just curious. USAA is Experian and it's cheaper.

[drkaje]

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bichonmom wrote:

Here's a link to the CMS guide: http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Monitoring-Service-CMS-Guide/td-p/66254...

I have USAA CMS $12.25 / month

EQ ScoreWatch

EQ Credit Watch Gold

If you're a member of Navy Fed, you can get discts on the EQ products thru Navy's website.

USAA's CMS gives you the most bang for the buck. You get a 3-in-1 CR daily  if you want. They monitor all 3 CRAs. And you can pull a full EX CR. Plus their CS is in Texas and very friendly.

EQ Credit Watch Gold is a little redundant. They also monitor all 3 CRs; however you can get a daily full EQ CR w/this service.

EQ Score Watch only monitors changes to your EQ CR and also monitors your score, so you get an alert everytime your score changes. It's not really necessary, but many of us are a bit FICO-obsessed.

Also, note: These EQ products, plus ScorePower, are the ONLY EQ products w/a true FICO. All other EQ credit products w/give you a FAKO. You need to read the description to see if they just say "score" or actually use the word, "FICO."

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Nah, too easy.

I'd have a really difficult time suggesting SW. Its performance is just a little iffy and would end up being frustrating for someone in rebuilding mode, expecting a lot of changes. Someone in that position could easily use another service and only purchase FICO scores when absolutely necessary.

[LS2982]

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ctb89 wrote:

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LS2982 wrote:

I'd have to say TU Truecredit is the best non-FICO score CMS because it gives daily TU reports and 3 bureau reports once a month for $14.95

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Why do you say that's better over USAA...just curious. USAA is Experian and it's cheaper.

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I've never had that product so I cant comment on it.

[Brian_Trying_700]

Anymore information would be helpful. Lets keep it rolling. I seen on this forum some people were having issues with Score watch.