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CreditCheckTotal

Valued Contributor

Re: CreditCheckTotal


EW800 wrote:
Can anyone confirm that the Credit Check Total product definitely allows daily pulls for Experian, and that it is only the TU and EQ sides that are limited to three times a month? If so, this does seem to be a very good value over the Credit Tracker product.

Absolutely, positively - EX is daily pulls and TU and EQ are 3x per month - you can do them a week apart, 3 days in a row, or whatever you choose, but yes I confirm. I did a screenshot showing on June 12 and 13 I got the daily Experian Report and Score (circled red), and on June 11 I got the 3 Bureau Report (circled green).

 

It's really nice and a lot better deal than myFICO sad to say.

 

CCT.jpg


EQ: 820 || TU: 815 || EX: 812 (From CCT: 7/20/17) || Garden since 8/10/17. CapOne Quicksilver $22k || Home Depot $16k || Lowes $16k || DiscoverIT $21.5k || BofA Rewards $15k || Barclay Ring $10k || BJ's Perks $10.5k || PSECU $9k || Chase Freedom $7k || AMEX BCE $17.1k || USBank Cash+ $12K || Citi DC $8K || FNBO Sheetz $6K || PSECU Founders $5K || PayPal Credit $4K ||
Valued Contributor

Re: CreditCheckTotal

Thanks so much! Smiley Happy
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Oct 2017: EX8: 736; EQ8: 736; TU8: 747; EQ04: 734 FICO 9 Scores about 50 points higher
In My Wallet: Discover $63.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $209.8K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Regular Contributor

Re: CreditCheckTotal

Wow! thanks for the info. I think I might try this. Seems like a good eal for sure.

Valued Contributor

Re: CreditCheckTotal


RandomSpirit wrote:

Wow! thanks for the info. I think I might try this. Seems like a good eal for sure.


Remember, the trial is $1 for 7 days. You'll immediately get the scores for the 3 CRA and reports. You won't be able to pull the reports again until after your 7 day trial is over. And, remember, it's $29.99 after the 7 days - which is a bargain actually for getting the reports 3x a month for all 3, where it's $24.95 on myFICO and once a year report. If you call to cancel during the 7 day trial, they should give you the $14.97 offer for 2 years...now that you certainly can't beat!


EQ: 820 || TU: 815 || EX: 812 (From CCT: 7/20/17) || Garden since 8/10/17. CapOne Quicksilver $22k || Home Depot $16k || Lowes $16k || DiscoverIT $21.5k || BofA Rewards $15k || Barclay Ring $10k || BJ's Perks $10.5k || PSECU $9k || Chase Freedom $7k || AMEX BCE $17.1k || USBank Cash+ $12K || Citi DC $8K || FNBO Sheetz $6K || PSECU Founders $5K || PayPal Credit $4K ||
Valued Contributor

Re: CreditCheckTotal

You got my attention with that, Vulcan! Are they offering it for $14.97 for two years on cancellation attempts? That is an incredible value.
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Oct 2017: EX8: 736; EQ8: 736; TU8: 747; EQ04: 734 FICO 9 Scores about 50 points higher
In My Wallet: Discover $63.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $209.8K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Moderator

Re: CreditCheckTotal

Competition is good!

 

Thank you for sharing Vulcan!

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Valued Contributor

Re: CreditCheckTotal


EW800 wrote:
You got my attention with that, Vulcan! Are they offering it for $14.97 for two years on cancellation attempts? That is an incredible value.

You can quit any time during the 2 years. Just cancel and it ends the last day of the month you paid for. It's an awesome deal. 

 

Unfortunately does not look like an Android (or iOS) app yet. I haven't tried it on my Note 4 but don't see why I couldn't sign in.


EQ: 820 || TU: 815 || EX: 812 (From CCT: 7/20/17) || Garden since 8/10/17. CapOne Quicksilver $22k || Home Depot $16k || Lowes $16k || DiscoverIT $21.5k || BofA Rewards $15k || Barclay Ring $10k || BJ's Perks $10.5k || PSECU $9k || Chase Freedom $7k || AMEX BCE $17.1k || USBank Cash+ $12K || Citi DC $8K || FNBO Sheetz $6K || PSECU Founders $5K || PayPal Credit $4K ||
Valued Contributor

Re: CreditCheckTotal


Revelate wrote:

Competition is good!

 

Thank you for sharing Vulcan!


I think it's a great deal, but I certainly am not trying to diss myFICO either. Love the forums and would pay for something similar with myFICO 3 Bureau reports here. 


EQ: 820 || TU: 815 || EX: 812 (From CCT: 7/20/17) || Garden since 8/10/17. CapOne Quicksilver $22k || Home Depot $16k || Lowes $16k || DiscoverIT $21.5k || BofA Rewards $15k || Barclay Ring $10k || BJ's Perks $10.5k || PSECU $9k || Chase Freedom $7k || AMEX BCE $17.1k || USBank Cash+ $12K || Citi DC $8K || FNBO Sheetz $6K || PSECU Founders $5K || PayPal Credit $4K ||
Moderator

Re: CreditCheckTotal


Vulcan1600 wrote:

Revelate wrote:

Competition is good!

 

Thank you for sharing Vulcan!


I think it's a great deal, but I certainly am not trying to diss myFICO either. Love the forums and would pay for something similar with myFICO 3 Bureau reports here. 


People need slightly different things out of monitoring solutions - I don't think there's ever going to be one size fits all with how the industry is setup unless it offered literally everything (all scores, all the time, unlimited pulls) for free as in beer, or similar.

 

Wasn't being tongue-in-cheek; MF has a good product in my opinion, but it has limitations too.  I could make the argument the current MF product was driven by competition, which in turn is driving others to improve their services.

 

What is interesting to me is seeing them drop their shorts on the pricing like that... could see doing that shilling for users for advertising dollars, but are they doing that?  It'd be rare on a paid service, so it may just be they're charging what the market will bear and we'll get a price drop across the board as more competition goes.  

 

TBH regardless of some of the flack people here get for pushing MF products, I'm always, always in the corner of what's good for the consumer: more frequent access to reports and scores at a cheaper price point is unarguably good for the consumer.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Valued Contributor

Re: CreditCheckTotal

Very well stated, Revelate! I agree with you completely. I am a big fan of MF, especially with this forum and the fact that so many other scoring models have been added to the 3B report option. Competition is VERY healthy!

I may give CCT a shot, as keep MF as well.   It would be great to get CCT for the discounted pricce that was mentioned   Smiley Happy

It would be great to see an IOS app, and I assume an Android app for CCT. IMO, Experian has a great app for the iPhone and especially the iPad, so it would be great to see something similar for CCT.

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Oct 2017: EX8: 736; EQ8: 736; TU8: 747; EQ04: 734 FICO 9 Scores about 50 points higher
In My Wallet: Discover $63.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $209.8K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .