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Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

How do you keep up with your scores/reports?

How do you keep up with your scores and reports and how often do you look at them? I am only using creditkarma right now and once my wal-mart cc comes in, I can set my account up and be able to see my fico score there. Yesterday I received my "congratulations your card is on it's way" letter from Discover and it showed my Equifax score as a 688 so that is all I am going by right now. So I wonder how many of you are using the monthly subscriptions and to where. I want to see my credit reports with all the agencies but I thought I would wait until maybe January so that all of the cards I just opened will have hit. Is that smart or should I be looking more often?

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Valued Contributor
maiden_girl
Posts: 2,098
Registered: ‎12-29-2011
0

Re: How do you keep up with your scores/reports?

[ Edited ]

snowkitty wrote:

How do you keep up with your scores and reports and how often do you look at them? I am only using creditkarma right now and once my wal-mart cc comes in, I can set my account up and be able to see my fico score there. Yesterday I received my "congratulations your card is on it's way" letter from Discover and it showed my Equifax score as a 688 so that is all I am going by right now. So I wonder how many of you are using the monthly subscriptions and to where. I want to see my credit reports with all the agencies but I thought I would wait until maybe January so that all of the cards I just opened will have hit. Is that smart or should I be looking more often?


For a while, I had quarterly monitoring from MyFICO but I canceled it. Started using creditkarma even tho they are using FAKO scores...its still the closest match I've seen to FICO scores and it's free!! Waiting on my walmart card too so I can see my MOST recent FICO score.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Regular Contributor
roxy382
Posts: 129
Registered: ‎01-09-2012
0

Re: How do you keep up with your scores/reports?

I use citi identity mointer. I pay $4.95 a month and I get all 3 CRs monthly and the alert you to New accounts, inquiries, and changes to personal info. The provide a FAKO score that I have found is always very close to my real FICO (last month showed 5 pts less than my FICO. It has has the credit analyzer that shows you what your score can be with different changes to your report.
In My Wallet: Amazon (5/2011) $2200 -- CareCredit (9/11) $4200 -- Capital One Green Cash Rewards (01/12) $3000 -- Citi Forward (1/12) $2500 -- Walmart Store Card (1/12) $1100 -- Maurices (8/12) $200

Starting Score: EX 567 9/13/2010
Current Score: EX(FAKO) 639 EQ(FAKO) 628 TU(FAKO) 662 11/13/2012
Goal Score: 750
Valued Contributor
jamesdwi
Posts: 1,734
Registered: ‎09-16-2011
0

Re: How do you keep up with your scores/reports?

I use creditkarma daily, for watching cards report, the FAKO is useless,  walmart TU score and myfico score watch though i do debate canceling this one. Also check out ceditsesame.

 

When I am going App crazy the most effective way to get score the companies send me my accurate scores for free and allows me to pull my full credit report so I can see the full picture, and I get all 3 reports once a year. 

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Established Contributor
lithium78
Posts: 929
Registered: ‎07-30-2011
0

Re: How do you keep up with your scores/reports?

I use the free TU04 FICO score from my Walmart card and I subscribe to Score Watch here on MyFico for my EQ.  Since it's almost impossible to get a EX FICO without taking a needless inquiry, I use Credit Sesame for their EX FAKO score.  I wouldn't bother with Credit Karma.  Their scores are really, really inaccurate.  They have a TU score more than 40 points lower than my FICO.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012
0

Re: How do you keep up with your scores/reports?

I use CK to monitor TU activity and WM card to get score, EQ dispute (but never file one) to look at EQ info. and SW to monitor EQ score, I use CS to check experian activity and obviously no way to check my score.

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
New Member
GomezMcSqueeze
Posts: 3
Registered: ‎09-14-2012
0

Re: How do you keep up with your scores/reports?

[ Edited ]

*accidental post*

Valued Contributor
thom02099
Posts: 1,323
Registered: ‎08-30-2011
0

Re: How do you keep up with your scores/reports?

[ Edited ]

I use CreditKarma daily, to monitor TRENDS in my report.  I could care less about the actual score provided, since it is a FAKO.  CK provides info on my accounts, shows the various balances of my accounts, when they go down (or up), etc. 

 

I also subscribe to Experian's monitoring service, as it also provides me notices of inquiries and the actual report on file.  Since the bulk of my inquiries are EX, it's important to me to know when they occur and more importantly, fall off.  I have 4 that come off this month and another one in October.  I should see a 25 point gain from this.   Again a FAKO, but it's not so much about the score as it is the report.  I log in to EX usually weekly.

 

I also subscribe to ScoreWatch here, to get my EQ score and again to follow TRENDS.  If there is an alert to a change in my report I can go on line and check it out.  If needed, I can pull a report and new score from both EQ and TU. 

 

Some may say this is a bit of overkill.  Perhaps.  But since I started using monitoring services and following my reports very closely, my scores have gone from the low 600s to currently mid- to upper-700s and pushing (hopefully) 800.  It's all a matter of what you do with the information, and how you manage your finances to maximize your scores. 

AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 768 EQ = 828 TU = 834 - June/2014
Regular Contributor
cd2004
Posts: 147
Registered: ‎07-19-2010
0

Re: How do you keep up with your scores/reports?

I use USAA credit monitoring for daily pulls when needed, myfico scorewatch for my real EQ since that is always my lowest score and if I see that Eq has an ok score then more than likely the others are ok. I also have Walmart FICO08 but I use credit karma for the actual details that is on the report not the FAKO scores.

Starting scores Jan 2011: EQ: 510(fico) TU:521(fico) EX?
June 2014 scores EQ08:683 TU08:667 EX:651(amex)
Goal: 700's

in my wallet:BarclayMR $7k/CareCredit $7k/DiscoverIT $6k/Ashley furn. $5k/Springstone $5k/Kanes furn $3.5k/Walmart $2.7k/Cap 1 Plat.$ 2.5k/JCP $2.5k/Chase freedom $1.7k/TJX $1.7k/Cap 1 cash $1.5k/Amex delta $1k/Victoria $950/Paypal $800
Senior Contributor
jsucool76
Posts: 3,216
Registered: ‎12-11-2011
0

Re: How do you keep up with your scores/reports?

I use CK and CS, but I think I'm gonna sign up for the wells fargo identity monitor, simply because the first month is only $1 and then I can cancel it right after that :smileytongue: 


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