Reply
Regular Contributor
Posts: 205
Registered: ‎06-20-2007
0

Re: OK....which system is recommended ?

Well, this is what I did... I signed up for Truecredit at $14.95/mo.  You can get it for cheaper throught the Walmart site ($11.21, I think).  Sometimes they do an free introductory deal  so you can see if  you like it.  I'd do a search for that first.   When I learned that those scores weren't real FICOs, I came here to get one.  I  signed up for one month free.  I got my FICO score  (EQ only) and it came with a report.  I compared that report to Truecredit's.  That's why I am pretty certain that the reports are accurate.  I did everything I could in a month on EQ and then when I got the e-mail saying my free month was coming to an end, I pulled the second report that you are entitled to.  I saw a 29 point difference in 1 month thanks to the advice I've gotten here.  I cancelled the subscription because if not, they will charge  you eighty some dollars for a year.  I did receive an email asking if I preferred to pay $8.95 per month.  I took them up on the offer, but I am not sure how long I will continue.  I check TC everyday to make sure nothing new has come up and check my progress as far as my rebuilding work. Also, just a little hint for you, if you have many inquiries on TU or EQ, after pulling so many times, those inquiries disappear and you will get a little raise in your score from that.  The reason I have for that, is that file space is only so big, so when you check your own reports, it has to make room somewhere, so it deletes other inquiries.  I have seen all but two of my TU inquiries fall off.  EQ, I have not seen anything, but I don't have much on that report so it may take longer.  Anywho, that's my story.  I don't know how long I can continue with either service because money is sooo tight.  But, I am trying to make the most of it now.
Established Contributor
Posts: 858
Registered: ‎06-26-2007
0

Re: OK....which system is recommended ?

Anyone heard of credit keeper, are they fakos?   HFC offered it to me yesterday.
Moderator Emeritus
Posts: 7,326
Registered: ‎06-18-2007
0

Re: OK....which system is recommended ?



rtoshow wrote:
After reading all of the info here over & over, I'm still not sure which way to go. I keep thinking about true credit just to be able to monitor daily, but I am wondering, do many lenders pull TU ? It seems to me that most use Experian or Equifax but I may be wrong. I want to be able to check out every avenue of my credit as much as possible, dispute if necessary easily & do it as inexpensively as possible. Am I asking too much ? Thanks for any input

I have had several TU pulled on mortgage and auto loan (only pulled TU) I have had some CCC pull them also. They all pull whatever they want. most will pull the only 1 CRA and it could go by the part of the country that you live in.
I have TC & DH has both TC & CS. I will be cancelling TC for him. we both have SW. I only pull FICO from myfico when there has been a big change and I want to be sure of score.
Highlighted
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: OK....which system is recommended ?



myhearts07 wrote:
Anyone heard of credit keeper, are they fakos?   HFC offered it to me yesterday.



Yep... they are FAKOs.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.