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I use MyFico, Discover and Experian.
I have memberships to TU and EQ as well, but that's because I'm currently working to get some erroneous items corrected or removed.
@sarge12 wrote:
@Anonymous wrote:
I've been paying a monthly membership for access to my credit reports and scores straight from EX, EQ, and TU's websites. About 40-45$ a month total. I wouldn't mind keeping it the same except I've just come to realize that I'm only getting vantage scores from TU and EQ. I want to find a way to regularly monitor changes in my credit report and fico scores. What is everyone here using?As someone else said CCT trials work, and when you call to cancel they will offer you a discount to keep it open for 14.95 per month for a year. I had rather just pay that than have to keep messing with the trials.
That is what I do. They give you Experian score and report daily and Transunion and Equifax once a month. Credit Karma for free will give you changes to your report for Equifax and Transunion. I also get a Transunion score halfway through the month from my Bank of America account. Discover also gives a free FICO score from Experian once a month to anyone.
@sarge12 wrote:As someone else said CCT trials work, and when you call to cancel they will offer you a discount to keep it open for 14.95 per month for a year. I had rather just pay that than have to keep messing with the trials.
I signed up for the CCT $1 trial last Sunday and called & canceled today, the rep didnd't offer the discounted $14.95, pretty much just "OK, I've canceled it for you, you'll get an email confirming". I would have gone for the $14.95 for at least the next couple of months as the 7 accounts w/lates included in my 2010 BK7 are falling off over the next few months. Someone else posted that EX updates daily? I never got anything but the report created on April 16. I got TU to early exclude all BK accounts and my TU FICO jumped from 677 to 720. The CCT 4-16 report had both EQ & EX at 688, with EQ showing 2 IIBs w/lates and EX showing 5. So I particularly want to monitor EQ & EX over the next few months as everyting gets cleaned up.
EDIT: I just logged in to CCT, it's saying I qualify for the $1 trial again already, but it look like I would only get an updated EX report. Do I have to wait a month before the $1 trail would give me all 3 reports again? I don't want to call & cxl weekly just for EX.
MyFico,TU,EQ,EXP,CK.....I know it sounds a bit much but it worked for me to get me where I am. Once I close on my mortgage I will probably cut down some...makes me feel comfortable....lol
@Anonymous wrote:
I've been paying a monthly membership for access to my credit reports and scores straight from EX, EQ, and TU's websites. About 40-45$ a month total. I wouldn't mind keeping it the same except I've just come to realize that I'm only getting vantage scores from TU and EQ. I want to find a way to regularly monitor changes in my credit report and fico scores. What is everyone here using?
There are a lot of free tools out there, for both monthly FICO scores and reports. That's what I do. Plus I sign up once every 18 months for the myFICO Ultimate package and then cancel it a week later. My approach costs $20 a year on average. Let me know if you are curious to hear me sketch out the details and I will be glad to do that.
@Anonymous wrote:
That is a lot! But I'm considering doing the same since I'm hoping to buy a house in the next year. And CK is free, or no?
Credit Karma is free