Need advice: Credit Monitoring Services

[PastorH]

For some time, I've paid $9.95 a month for a subscription to True Credit (By TransUnion) which gives me scores for the three credit agencies.  After the great advice given on this forum, my three new cards in September, and understanding the importance of FICO, I don't know if I should continue with True Credit.  I am considering a subscription here (ScoreWatch maybe???).  As suggested here also, I've registered in Credt Karma.

Any advice as to TrueCredit and subscription here?

[09Lexie]

I'm req this post to be moved to Gen Credit Topics

[PastorH]

sorry ... rookie mistake 

[09Lexie]

No worries!

[llecs]

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@PastorH wrote:

For some time, I've paid $9.95 a month for a subscription to True Credit (By TransUnion) which gives me scores for the three credit agencies.  After the great advice given on this forum, my three new cards in September, and understanding the importance of FICO, I don't know if I should continue with True Credit.  I am considering a subscription here (ScoreWatch maybe???).  As suggested here also, I've registered in Credt Karma.

Any advice as to TrueCredit and subscription here?

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IMO, use myFICO products (or at least some product to gain access to your FICO) but also maintain a CMS from somewhere whereby you can gain access to your credit reports on a regular basis. Pulling a new report through myFICO will cost you $20. But there are some 3-in-1 CMSs out there that offer all 3 reports on a daily basis if that's what you wanted. IMO, just ignore the scores and advice offered. As you see changes to your reports and you want to know your score impact, then you can always selectively pull through myFICO and save $$$ that way.