Which Monitoring Service Do you Recommend?

[Anonymous]

It gives alerts as well scores.

[takeshi74]

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@Wovenyarn wrote:

I don't really like Credit Karma because it seems so far off.

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CK's scores aren't off.  They're just an entirely different scoring model than FICO 8.  If you want to know what your score is for s given model you need to get scores using that model and cannot use a different model.  CK's scores are only useful if you're looking for VantageScore 3.0 scores form TU and EQ.

Keep in mind that while FICO 8 is commonly used it's not the only FICO model used by creditors.

[jamie123]

I'm in the process of rebuilding my credit to purchase a home in the very near future. I am currently working diligently to have the last baddie removed from my TU and EQ reports. My EX is spotlessly clean. As soon as the baddie is gone I'm buying a house so I keep close tabs on my scores.

This is how I do it:

Every Sunday morning I sit down with my coffee and check my CK EQ and TU reports and Vantage scores.

I belong to Scorewatch here and get daily updates on my REAL EQ FICO 08 score.

Walmart TU 08 score once a month.

Discover TU 08 score once a month.

Credit.com score once a month.

Credit Sesame scores once a month.

I recently joined the free AAA credit monitoring service that will give me updates on my EX report.

I have purchased the 3 report view here at MyFICO a couple of times in the past few months to get all 3 mortgage scores and see how my mortgage scores are affected by certain credit moves.

Yeah...A bit obsessed at the moment!