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scores, yes. FICO scores, no.
cashonlynow,
ScoreWatch does monitor your FICO EQ score 24/7, when a change occurs you will get an e-mail, trust it.
Trusting scorewatch is hard to do, when updates over the past 4-6 months have come 1-3 weeks after the change occur. Twice there have been big changes (2 new inquiries) and both times the actual email alert came 11 and 17 days after.
Cheaper and more effective to just pull a report every quarter.
cdtotten,
I can only relate my experiences with score watch. BTW today I received one along with a credit watch gold alert. The score watch alerted me that as of yesterday my FICO score went up from 763 to 782 because a new account with Kroger was reported yesterday. I can"t expect anything more than that. YMMV.
@cdtotten wrote:Trusting scorewatch is hard to do, when updates over the past 4-6 months have come 1-3 weeks after the change occur. Twice there have been big changes (2 new inquiries) and both times the actual email alert came 11 and 17 days after.
Cheaper and more effective to just pull a report every quarter.
My exact same experience. If you purchase directly from EQ, they'll give you a "Buy Three Get One Free" deal, where it's only like $40ish for four quarterly reports and scores.
1. Credit Secure by American Express, Amex Card required, daily puller, 11.99/mos. Experian Plus score, absolutely useless.
2. Credit Check Total, Experian reseller, daily puller, 19.95/mos, call by the end of trial period (7 days) ask to cancel, a lot of people got price reduction to 9.99/mos. Experian Plus score, see above