cancel
Showing results for 
Search instead for 
Did you mean: 

Cheap credit monitoring service

Valued Contributor

Cheap credit monitoring service

In the wake of Experian's changes to the USAA monitoring service, I am looking for a new CMS.

 

I would like daily pulls, and don't care about the score.  Most importantly, I want it to be CHEAP.

 

Any suggestions?

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 1 of 8
7 REPLIES
Frequent Contributor

Re: Cheap credit monitoring service

Yeah USAA/Experian burned a lot of people with this one - I love how the letter stated that consumers dont want to check daily and thats the reason for the change - BS


Starting Score: TU:619 (02/24/2012) - EQ:629 (02/24/2012)
Current Score: TU:632 (06/21/2012) - EQ:672 (06/21/2012)
Goal Score: 740


Take the FICO Fitness Challenge
Message 2 of 8
Valued Contributor

Re: Cheap credit monitoring service

Whats the change? I havent received any notice from USAA.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 3 of 8
Contributor

Re: Cheap credit monitoring service

Im in the same boat. USAA has switched from unlimited pulls to 1 a month.

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 4 of 8
Valued Contributor

Re: Cheap credit monitoring service

i may switch to the AMEX service

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 5 of 8
Valued Contributor

Re: Cheap credit monitoring service


j_casteel wrote:

i may switch to the AMEX service


I checked it out - it's fifteen bucks if you want a report once a month.  Presumably the unlimited pulls cost more.  

 

This LINK will take you to the AMEX Credit Secure page.

 


Duncanrr wrote:

Whats the change? I havent received any notice from USAA.


http://ficoforums.myfico.com/t5/General-Credit-Topics/No-more-unlimited-pulls-with-USAA-Credit-Check...
3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 6 of 8
Valued Contributor

Re: Cheap credit monitoring service

The only thing I can think of right now is eliminateidtheft.com which is $12.95 a month. You get to pull daily. But you do have to wait a full 24 hours to pull your report again the next day. For example, if I pull today at 9:00 AM, I have to wait til 9:01 AM tomorrow before I can pull again. I normally wait a bit longer though and pull about 5 minutes after waiting 24 hours.

CH7 Discharged: 4-14-16
Rebuilding in Progress.....
May 2016 - EX: 594, TU: 582, EQ: 619
July 2016 - EX: 629, TU: 600, EQ: 622
Message 7 of 8
Valued Contributor

Re: Cheap credit monitoring service

That sucks.  For the most part my rebuild is done.  I have 4 bad accounts left that I'm still trying to GW but during my peak rebuild I depended on daily pulls to see what was going on with my accounts and which ones were being removed and which ones I needed to keep hounding.

 

I agree with earlier posters, once a month isnt enough.  I would be happy with once/twice a week.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 8 of 8