Okay question of the day. I am looking to monitor my credit score what is the best out their. I know that when you get a mortgage they go by your middle score but that can vary from CR to CR. So is there a credit score watch that I can view all three. I am looking to clean up my credit by sending out gw letters and want to know if that will help my score. I have paid off all collections and charge off cc. I guess the next step is the gw letters. What do you guys out their suggest.
If you haven't been booted yet, I still say truecredit is the best place to daily monitor your score.
I will promptly change my tune of course if they boot me.
AMEX creditsecure is decently priced but pretty lame compared to TC, and I think most creditsecure customers know this. It lists info in a really convuluted way, doesn't show past 2 years of history, and doesn't tell you exact dates that creditors report. Lame.
Since FICOs are the ones that matter you can do ScoreWatch for $8.95 per month. I use this and like it. A few times its missed sending "alerts" but thats rare. This gives you notice of your EQ Score only. Then you may want to buy all 3 scores quarterly to see how your doing.
I was using TrueCredit for the last 6-7 months and it was nice if you wanted to check all 3 of your Reports for Balances and FAKO scores daily if you wanted to. But I canceled it cause they varied a lot from my FICOs.
So - If you need to monitor your scores daily (which is not really needed since they only change ones a month in most cases) you can use TC. If not use SW and get your real FICOs every 3 months.
Stay away from certain ones. Im sure others can offer names. I heard that service from "FreeCreditReport.com" was a bad one. I used Experians Service once and it said my score was High 900s........900? So they use that Vantage which is worthless.
That might explain why when I pulled my credit reports from ex and equ that exp was 699 and the equ was 600. I was wandering why their was such a huge difference between the two. I pulled tu back in march and it was 674. This is also a reason why I want to know. The range between all three is huge.
I use CreditKeeper (affilaited with Experian) and yes, they are FAKO scores. However if the FAKOS are rising substantially, then the FICOs should be going up also. There was about a 20 point difference between FAKO and FICO on my Equifax report.- FICO was lower. However, I don't need my FICO scores daily or even monthly - I do want to see all three reports monthly for at least the next year (I'm in build mode)... and I will probably keep monitoring just because it's a good idea (id theft prevention, etc)
Message Edited by Lady_Scarlet on 10-05-200711:43 AM
Now a member of the UNOFFICIAL 700 Club - Plus scores of 734-734-747
I guess tc is not that bad then becuase I am trying to clear up my credit with gw and so on. I know that alot of companies do not respond back to you so the only way I will be able to tell is if I see it on all three reports.