Crdeit monitoring service.

[Anonymous]

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@Anonymous wrote:
I was using CreditReport.com for $24.95 a month. It let me pull Experian every day and all three once a month.

I also use Equifax for $19.99 and I can pull EQ everyday, but can only do all three reports once.

Both of these did scores as well, but they are not the same as the FICO.

I signed up for the $19.99 FICO monitoring today. From what I understand, it pulls all three one time and updates any changes as well as monitors your scores. I will probably cancel the CreditReport and Equifax monitoring and keep the FICO. Equifax has my score this morning at 566. FICO was 628.

I know what my credit report has on it now, all I really need to do is monitor any changes and keep up with my score. FICO seems to be the best product for that for me.

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Your fico score of 628 is closer (on point) to being the most accurate.  Equifax has a properitary scoring model that they have developed. Fako scoring at best.  

I just signed up for the 3B monitoring and I like the dashboard.  As for the usefulness, I can't say to this point, beyond it giving me my actual scores of all 3.  But, nevertheless, I like it.  I am gonna cancel my Experian fico puller that is calling me $9.95/month.  

[Anonymous]

Thanks for all the replies. I would of course like to see my score. But at the moment, I am more concerned with seeing what things are being removed off of my report like they are supposed to be. 

[Anonymous]

My husband and I are in a similar situation.  I want to monitor mine but he would rather be able to pull credit scores more than once a month.  I signed up for the 3B here and like the layout.  Very easy to read and I find it helpful.  Still trying to figure out where to sign him up so he can get pulls at least once a week though.

[Anonymous]

The best thing I've found is Eliminate ID Theft for pulling full reports more often (as often as once every 24 hours), as well as alerts, for $13 a month and then myFICO for score updates. Really depends on what you want to monitor, and how much you want to spend.