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Should I buy Fico Standard, Score Watch, or Fico Quaterly Monitoring?

Established Member

Should I buy Fico Standard, Score Watch, or Fico Quaterly Monitoring?

I just have 4 CC accounts. No loans.

Amex Green Card, U.S. Bank Platinum $2,000, U.S. Bank Line of Credit $1,500, BoFA Visa $500, C1 $500
Message 1 of 6
5 REPLIES
Frequent Contributor

Re: Should I buy Fico Standard, Score Watch, or Fico Quaterly Monitoring?

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.



09/30/2017 - EX 811 (Credit Scorecard EX FICO® Score 8, range 300-850)
11/20/2017 - TU 842 (Discover TU FICO® Score 8, range 300-850)
10/24/2017 - EQ 845 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 2 of 6
Moderator Emeritus

Re: Should I buy Fico Standard, Score Watch, or Fico Quaterly Monitoring?

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.

Message 3 of 6
Established Member

Re: Should I buy Fico Standard, Score Watch, or Fico Quaterly Monitoring?


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.


Is there one in paticular you reccomend?

Message 4 of 6
Frequent Contributor

Re: Should I buy Fico Standard, Score Watch, or Fico Quaterly Monitoring?

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



09/30/2017 - EX 811 (Credit Scorecard EX FICO® Score 8, range 300-850)
11/20/2017 - TU 842 (Discover TU FICO® Score 8, range 300-850)
10/24/2017 - EQ 845 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 5 of 6
Moderator Emeritus

Re: Should I buy Fico Standard, Score Watch, or Fico Quaterly Monitoring?


Bearclaw wrote:

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.


Is there one in paticular you reccomend?


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.

Message 6 of 6