Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 2,814
Registered: ‎06-05-2008
0

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

Frequent Contributor
Posts: 402
Registered: ‎02-23-2012
0

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
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

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
Contributor
Posts: 256
Registered: ‎08-24-2011
0

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*

Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
0

Re: Cheap credit monitoring service

i may switch to the AMEX service

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Valued Contributor
Posts: 2,814
Registered: ‎06-05-2008
0

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

Valued Contributor
Posts: 1,175
Registered: ‎05-20-2010
0

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
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.