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Frequent Contributor
jake619
Posts: 496
Registered: ‎11-13-2012
0

Is Credit.com legit?

Is it just another CK/CS/Quizzle?  Worthwhile?  Thanks.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Is Credit.com legit?

Legit as far as what?

 

They don't have FICO scores.  You can't get your EX FICO anywhere, haven't been able to since Feb 09, except through lenders and a CU in PA.  So if they are saying you are, it isn't legit.

 

As for the reports, they are another 3rd party and won't have as much as the ones from annualcreditreports.com.

 

If it is credit monitoring you are looking for, there is a sticky discussing various monitoring services and their costs.

Contributor
Croselx
Posts: 139
Registered: ‎07-31-2012
0

Re: Is Credit.com legit?

It is like those other sites you mentioned. It is a useful to 'monitor' your overall profile when you are not actively doing changes (such as if you are rebuilding) as it only updates once per month.

As of Feb: AAoA 1 year, 10 months
CK TU: 740; Wal-Mart TU FICO: 721
CS EX: 715
8 CCs, 15 total accounts.
Negs on report: 1 30 day late aged 3 years
5 inquiries

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