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New Member
Posts: 12
Registered: ‎04-13-2017
0

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?
Valued Contributor
Posts: 1,181
Registered: ‎03-23-2009
0

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

Established Contributor
Posts: 803
Registered: ‎11-10-2014

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;
Blispay $7.5k/Citi DC (wemc) $5.8k/Amex $35k/Wayfair $8.8k/Chase Freedom $13k/NFCU $15k/Discover $27.5k/Amazon $7.5k/synch $9k/OS $3.2K/TR Visa $7k/Cap 1 qs1 $6k
Valued Contributor
Posts: 1,269
Registered: ‎08-12-2012
0

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=814 4/23/17
EX fico08=803 4/23/17
EQ fico08=804 4/23/17
Garden since 4/5/2017

Valued Contributor
Posts: 1,269
Registered: ‎08-12-2012

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=814 4/23/17
EX fico08=803 4/23/17
EQ fico08=804 4/23/17
Garden since 4/5/2017

Member
Posts: 40
Registered: ‎04-14-2017
0

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.

Established Member
Posts: 75
Registered: ‎02-21-2017
0

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

Valued Contributor
Posts: 1,333
Registered: ‎08-25-2016
0

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.
New Member
Posts: 12
Registered: ‎04-13-2017
0

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?
New Member
Posts: 12
Registered: ‎04-13-2017
0

Re: Where do you monitor your fico scores from?

*Not many

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