Credit Monitoring while rebuilding

[AcidKoolz]

Not sure if this has been asked yet or not, I couldn't find it. If it has, please point me in that direction.

What is the best product or combo of products to use for monitoring while rebuilding? I think it would be best to have something that monitors reports and FICO scores and emails or text messages for changes for all 3 bureaus. I know you can only get the FICO score for two, but maybe something along these lines. I would like an updated score and report each time something big changes, or is this too much? Does anything provide monitoring for when something is deleted?

[drkaje]

Not true FICO scores but no one has a product that touches USAA's service, dollar for dollar.

[rckstrscott]

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@AcidKoolz wrote:
Not sure if this has been asked yet or not, I couldn't find it. If it has, please point me in that direction.

What is the best product or combo of products to use for monitoring while rebuilding? I think it would be best to have something that monitors reports and FICO scores and emails or text messages for changes for all 3 bureaus. I know you can only get the FICO score for two, but maybe something along these lines. I would like an updated score and report each time something big changes, or is this too much? Does anything provide monitoring for when something is deleted?

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Unfortunately what you are looking for doesn't really exist -- although you could probably combo something. I use EliminateIDTheft.com -- 17 dollars and I get pulls from all three bureaus daily.

You really should go to this thread:

http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Monitoring-Service-CMS-Guide/m-p/662549...

It has all the info you could possibly need about all the services...

-scott

[AcidKoolz]

Thanks guys, sorry I guess I'm blind and overlooked that thread!

[ceejx]

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@drkaje wrote:

Not true FICO scores but no one has a product that touches USAA's service, dollar for dollar.

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+1 USAA is Experian's service, even the product looks similar, but cheaper and does all 3 for $12.95 .. can't beat it ... 

[Anonymous]

If you've been a member of USAA CCMP for 6 months or more, call them (1-866-751-1320) and ask for a discount, they'll usually reduce the premium from $12.95/mo. to $6.12/mo. for a year. Be nice though.

[marty56]

True Credit.  They provide FAKO scores but they are cheap, show date reported and good alerts.

[rckstrscott]

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@marty56 wrote:

True Credit.  They provide FAKO scores but they are cheap, show date reported and good alerts.

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I will say; although I switched to EliminateIDTheft because of its three report daily pulls, I used True Credit for over 3 years, no complaints. Thought it was great.

-scott