My CK seems to have the whole yin/yang thing going on. My Transrisk will go up as my Vantage goes down. Then my insurability just yoyos in the middle. Have yet to make any sense of it.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
I use Eliminate ID theft for 3 in 1 report (although not pretty I can at least get a new one every day) and Equifax complete advantage, plus all the free ones and myFICO EQ SW.. credit karma, credit sesame etc. I wish I'd started earlier so I couldv'e used USAA daily puller! I check them all religiously and they are in my favirites toolbar, haha. I actually do the rounds right when I get to work before I actually work... and sometimes get on here and don't do my work... and sometimes I can't wait that long so I will refresh at 11 pm or midnight or on my phone before I get to work! Hahaha. And the truth comes out. 
Goal Score: 640
novabama wrote:I use Eliminate ID theft for 3 in 1 report (although not pretty I can at least get a new one every day) and Equifax complete advantage, plus all the free ones and myFICO EQ SW.. credit karma, credit sesame etc. I wish I'd started earlier so I couldv'e used USAA daily puller! I check them all religiously and they are in my favirites toolbar, haha. I actually do the rounds right when I get to work before I actually work... and sometimes get on here and don't do my work... and sometimes I can't wait that long so I will refresh at 11 pm or midnight or on my phone before I get to work! Hahaha. And the truth comes out.
I feel your pain, maybe we should start a support group!
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
and sometimes get on here and don't do my work... and sometimes I can't wait that long so I will refresh at 11 pm or midnight or on my phone before I get to work! Hahaha. And the truth comes out.
I feel your pain, maybe we should start a support group!
I thought you might... I mean it's getting bad. I've never thought I was an addict before.Haha, Maybe a new acronym for CA... Credits Anonymous!
Jutz wrote:Haha, so maybe I don't want all that?
Well here is where my problem came in... I already used sesame but it was just depressing because it doesn't show you what is affecting your score REALLY. So then I got on here and found the CMS thread and read all of them and picked the ones with free trials and EIDT because of the three. I bit the bullet and bought that because there was no trial and I needed my TU and EX reports. Well let me tell you Equifax Complete makes it SO easy to dispute, see old reports, compare etc that I thought I was going to die when my trial ran out. Well then after that I had been doing this for a little over a month and HAD to know my score so I finally sucked it up and got SW. Let me tell you too, I am the cheapest. I don't do any shopping or eating out without a coupon. And I couldn't find a code online for these prods... and I STILL paid full price. I just don't do that! The moral of the story...? Don't even get the free trials unless you're ready to become fico-obsessed!! Not for the faint of heart 
Duncanrr wrote:
I use all the freeones and subscribe to SW, Quarterly update, USAA and experian. Usaa updates the quickest, I may drop experian now that my rehab is about done. USAA is not allowing daily pulls so that may go. If I drop usaa then ill probably keep experian.
I called USAA yesterday and they gave me the unlimited pulls for 6 months for the discounted rate of $11.12. Who knows what it will be after the 6 months, but I took it for the time being. Hopefully I can investigate some other services the do the 3 credit pulls daily. I just didn't feel like changing services right now.
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