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OK....which system is recommended ?

Regular Contributor

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.
Message 11 of 14
Established Contributor

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

Anyone heard of credit keeper, are they fakos?   HFC offered it to me yesterday.
Message 12 of 14
Moderator Emeritus

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.
Message 13 of 14
Highlighted
Moderator Emeritus

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.
Message 14 of 14