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Where do you monitor your fico scores from?

Established Member

Where do you monitor your fico scores from?

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?
Message 1 of 42
41 REPLIES
Community Leader
Valued Contributor

Re: Where do you monitor your fico scores from?

I do the $1 trial thru Credit Check Total every few weeks.  I also have the subscription from MyFico



EQ 679 EXP 700 TU 763
Message 2 of 42
Established Contributor

Re: Where do you monitor your fico scores from?

I have been paying for myfico but now that my credit report is clean and scores leveled out, I will probably cancel.  

 

Discover credit scorecard is separate from discover credit card.  Through scorecard, you can get a free monthly experian fico score.  I have a discover credit card and get a free TU score monthly.  My citi dc card provides a free monthly equifax score.  I monitor changes to my credit reports on credit karma.  I just ignore their scores.  

Nov 2014 Starting credit score TU 598; EQ 602; Ex 614; Aug 2017 TU 784; EQ 791; EX 760
Blispay $7.5k/Citi DC (wemc) $6.8k/Amex $35k/Wayfair $9.2k/Chase Freedom $13k/NFCU $15k/Discover $27.5k/Amazon $7.5k/synch $9k/OS $3.2K/TR Visa $7k/Cap 1 qs1 $6k
Message 3 of 42
Valued Contributor

Re: Where do you monitor your fico scores from?


mimsof4 wrote:

I have been paying for myfico but now that my credit report is clean and scores leveled out, I will probably cancel.  

 

Discover credit scorecard is separate from discover credit card.  Through scorecard, you can get a free monthly experian fico score.  I have a discover credit card and get a free TU score monthly.  My citi dc card provides a free monthly equifax score.  I monitor changes to my credit reports on credit karma.  I just ignore their scores.  


That citi dc provided score is a bankcard 08 score with a possible 900, it is an equifax score but not a fico 08.




TU fico08=820 11/10/17
EX fico08=812 10/25/17
EQ fico08=818 10/25/17
Garden since 4/5/2017
Message 4 of 42
Valued Contributor

Re: Where do you monitor your fico scores from?


Srot 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.




TU fico08=820 11/10/17
EX fico08=812 10/25/17
EQ fico08=818 10/25/17
Garden since 4/5/2017
Message 5 of 42
Valued Member

Re: Where do you monitor your fico scores from?


Srot 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?

I get my TU from my Discover It Secured card for free. It updates monthly on the 15th for me.

 

I get my Experian score from experian.com for free. Sign up for their $1, 7 day trial and cancel within 7 days and you can get a monthly update. it updates on the 30th for me (as long as I log in on the 30th).

 

I signed up for Experian towards the end of the month that way I get bi-weekly updates from a major CRA (the 15th and 30th each month).

 

Then, I use Credit Karma for weekly information, but those are FAKO scores. I mainly use CK for...honestly I don't know why, but I do my budget every Friday and that is when I check my CK just to keep myself focused on the end goal.

Message 6 of 42
Regular Contributor

Re: Where do you monitor your fico scores from?

yup, use CCT and then cancel the trial over the phone.  They will try and keep you by offering 15.00 a month which is great seeing as Experian is updated daily and the monthyl refresh of all 3 are on the 27th of the month,  Not bad for 15.00

Message 7 of 42
Community Leader
Valued Contributor

Re: Where do you monitor your fico scores from?

Actually, the refresh for all 3 is 30 days after the last refresh which might not be the 27th.
Message 8 of 42
Established Member

Re: Where do you monitor your fico scores from?

A lot of votes for CCT but not any for the myfico monthly updates? I signed up for CCT last night and although my 3 fico scores are the same as the ones I got from myfico.com, I noticed on CCT's EQ report is has some slightly different information for some of the accounts (mostly listing "Open" for old student loans that were defaulted and sent to collections, then paid off). I didn't look too thoroughly at the rest but are these discrepancies a big deal? Or just part of getting my reports second-hand?
Message 9 of 42
Established Member

Re: Where do you monitor your fico scores from?

*Not many
Message 10 of 42