Score Monitoring Services?

[xXIDaShizIXx]

Which services on here for the FICO score are worth purchasing that would give me the most accurate view of my credit report AND score at least monthly? In otherwords, which product on here is the best value for the price?

[jesseh]

I'd try score watch, it's 5 bucks for the first month.

btw, I don't think this is in the right subforum

[xXIDaShizIXx]

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@jesseh wrote:

I'd try score watch, it's 5 bucks for the first month.

btw, I don't think this is in the right subforum

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Shoot I thought I put it in General Credit Topics. 

[lg8302ch]

If you do not need Fico scores and can live with Fako and mainly focus on what's on your report I find Citi CMS for 4.95$ a good deal. 3-bureau report once a month.

[cakebuilder]

i normally would say credit karma but too many things are missing! 

[xXIDaShizIXx]

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@lg8302ch wrote:

If you do not need Fico scores and can live with Fako and mainly focus on what's on your report I find Citi CMS for 4.95$ a good deal. 3-bureau report once a month.

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They aren't taking new enrollments Also honestly even my score and reports now, and then like 6 to 12 months from now, just so I can see my progress and make sure there aren't any errors that have popped up. Would I be better off just purchasing the 3 Bureau side by side every 6 months to a year?

[takeshi74]

Definitely take a look at the CMS thread:

http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Monitoring-Service-CMS-Guide/td-p/66254...

However, keep in mind that if you want FICO's then you have to purchase them directly from FICO.  Even then, there are a number of FICO models in use so what you get from myFICO may not be the model that a given creditor is using.  All scores are accurate (for their own algorithm) but you can't rely on one model to determine what your score would be under another model.

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@xXIDaShizIXx wrote:

Would I be better off just purchasing the 3 Bureau side by side every 6 months to a year?

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Your call as better is subjective.  I don't worry over the scores and focus instead on what's on my reports.  I found EIDT helpful and very cost effective (despite the kludgy interface) for daily pulls of all 3 but YMMV depending on your priorities, etc.

[jesseh]

Great post bij llecs, good read

[xXIDaShizIXx]

Well the reason why I asked was I wanted to see where I was at now and maybe look again in a year. Thats why I was just wondering if I should purchase all three individually or what?

[jesseh]

Did you get your annual credit report already?

"The only authorized source for obtaining a free credit report"