General Credit Topics

[smooshiesmom]

do you get to see all three reports?  I am still in the 30 day free trial but I think that it will end around the 17th of July.  I definetely want to purchase this but wondered if they just show one and I have to purchase the other two. 

[Tuscani]

I assume you purchased SW? In which case no, SW is good for EQ only.

[Noah_Bodie]

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smooshiesmom wrote:

do you get to see all three reports?  I am still in the 30 day free trial but I think that it will end around the 17th of July.  I definetely want to purchase this but wondered if they just show one and I have to purchase the other two. 

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30 day trial of SW gives you EQ. You have to pay for EX and TU.

I'm on SW now. Helpful hint. Since I get SW updates whenever my FICO score changes, there's appears to be no need for me to ever again purchase my EQ report. Only my EX and TU scores, when I want them. But my EQ score updates serve as a pretty good indicator of where my other scores are.

I also subscribe to TC, and with that I can see everything all the time on all 3 CRs.

$7.12 a month for SW (20% discount code)

$11.21 a month for TC (Walmart link)

$18.37 a month total

Seems the most economical route I've found thus far to know what's on my CRs and what my FICO scores are within a reasonable degree of estimation. Once Wells Fargo and Cap 1 update in the next couple weeks, everything should be reporting at 9% util. I'll pull my FICOs them.

[so_confused]

Whats that discount code again?....

[Tuscani]

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so_confused wrote:

Whats that discount code again?....

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Google is your friend.

[so_confused]

so TC gives you FAKO or FICO's?

[Tuscani]

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so_confused wrote:

so TC gives you FAKO or FICO's?

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FAKO

[so_confused]

So what is the benefit of using TC?

[MidnightVoice]

You can see all 3 CRs every day.

And trends in scoring MIGHT be similar

[Noah_Bodie]

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so_confused wrote:

So what is the benefit of using TC?

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With TC, you see your entire CR from all 3 CRAs anytime you want, and you don't pay extra to pull your reports. It's all included in the monthly subscription.

Seeing only your FICO scores is like knowing the patients vitals only (pulse, BP, respiration), and seeing only your EQ FICO is like getting only the pulse.

Seeing your entire CR from all 3 CRAs is like getting a constant and comprehensive analysis of the patients status.