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Member
littlepriest01
Posts: 18
Registered: ‎04-16-2013

How often do you check

I'm paying off over 50% of my revolving credit today, and know that I'm going to want to check the scores frequently. I don't necessarily want to pay to pull my FICO everyday, so what other services do you use to check your credit inbetween fico pulls?

 

Thanks

Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008

Re: How often do you check


littlepriest01 wrote:

I'm paying off over 50% of my revolving credit today, and know that I'm going to want to check the scores frequently. I don't necessarily want to pay to pull my FICO everyday, so what other services do you use to check your credit inbetween fico pulls?

 

Thanks


I use EX monitoring, Credit Karma all FAKOS

But i get my FICO's through here, PSECU, DCU and Wal Mart. I have the credit alert for EQ on here, that works good for me.




Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: How often do you check


littlepriest01 wrote:

I'm paying off over 50% of my revolving credit today, and know that I'm going to want to check the scores frequently. I don't necessarily want to pay to pull my FICO everyday, so what other services do you use to check your credit inbetween fico pulls?

 

Thanks


CreditKarma is one of the more popular ones due to its being free. The scores are pretty much worthless, but you can at least keep track of how you util is progressing and see if anything pops up on your reports. They used to let you pull daily, but are now going over to once a week. It's not a bad service considering that it's free.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: How often do you check

usaa credit monitoring,its 12$ and after a month you can call to ask for it to be lowered to 6$it shows all three scores and updates each month but if something big happens both positive or negative it will update right then and there and send you an alert. you get a free refresh each month.

 

experian membership,if you sign up for all three scores then you get a discount and just like usaa it will do the same features.you get a free refresh each month

 

credit karam does it once a week,but the score can be off by like 20 points and it only shows TU

 

 

credit sesame is updates wierd,seems like hardly never and it only shows EX(IMO this one is the worse of them all)

 

 

Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: How often do you check

I check Credit Karma and Credit Sesame. Sesame is a little outdated and doesn't update as frequently as Karma. I also check freecreditreport.com.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011

Re: How often do you check

I use USAA and of course FAKO scores. Its $12 or so a month but with the new revamp I think its a little higher.  On the website it says only monthly pulls but you just have to call in and ask them for the daily pulls and they will activate that function for you.  Other than that I believe a lot of people use Eliminate ID but that is on the TU format and I don't like that.  As for free, well others have already mentioned those.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Member
littlepriest01
Posts: 18
Registered: ‎04-16-2013

Re: How often do you check

What do you mean by FAKO, I'm somewhat new to this.
Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011

Re: How often do you check

I use the USAA service to keep track of my reports and pull my score whenever I get curious enought to pay for it.

Established Contributor
CashOnDelivery
Posts: 502
Registered: ‎04-17-2013

Re: How often do you check

I did not know you could ask USAA for daily pulls. I will give them a call to activate that function since I just signed up for their premium monitoring. Thanks for the info!

2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

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Established Contributor
NJTurnpike
Posts: 662
Registered: ‎02-20-2013

Re: How often do you check

USAA daily pulls costs about $22 a month, but rumor has it you can complain and they will lower it. I have tried twice unsuccessfully to complain only to be offered to lower it back down to monthly pulls for the lowered price.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14

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