General Credit Topics

[garci349]

I just have 4 CC accounts. No loans.

[brother7]

Personally, I subscribe to the annual Score Watch because I like the EQ monitoring and alerts (both text and email).

I have 8 credit cards and nothing else.

[llecs]

I also recommend a credit montoring service outside of myFICO so that you can get alerts for all 3, not just EQ if you have ScoreWatch or not just TU if you have FICO Quarterly Monitoring.

[Bearclaw]

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llecs wrote:

I also recommend a credit montoring service outside of myFICO so that you can get alerts for all 3, not just EQ if you have ScoreWatch or not just TU if you have FICO Quarterly Monitoring.

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Is there one in paticular you reccomend?

[brother7]

My daily report monitoring consists of:

Score Watch (EQ) - paid service

Credit Karma (TU) - free

Quizzle (EX) - paid service ($7/month) but I took advantage of a 40% off Black Friday Special

[llecs]

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Bearclaw wrote:

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llecs wrote:

I also recommend a credit montoring service outside of myFICO so that you can get alerts for all 3, not just EQ if you have ScoreWatch or not just TU if you have FICO Quarterly Monitoring.

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Is there one in paticular you reccomend?

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For the additional service? I recommend one where you can pull all 3 reports on a daily basis. Check out the CMS Guide found stickied within General Credit Topics. There are a couple of them out there still including USAA's CMS is you pay for the upgrade and EliminateIDTheft. I've used both and like them. Of course, ignore the scores and advice.

ETA...probably should have added that since nothing is really happening on your reports, a daily puller isn't that necessary. There are many services out there that monitor your credit as the prev. poster mentioned. Ideally you'd want access to reports too but daily isn't needed in your situation. Many of the services on that list offer monthly reports w/ the subscription.