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Credit monitoring services

Frequent Contributor

Credit monitoring services

Are there any other CMS's besides SW or USAA that will allow you to pull a daily report? I tried signing up for USAA's CMS but do not qualify due to no military affiliation. I played around with Credit Karma the other day and it's pretty useless to me, imho. Any others out there?

05/31/2013 672 EQ (Fico), 03/08/2012 697 TU (Fico)

Closed on my first home 12/07/11! Officially a homeowner, thanks to this forum!!!

Message 1 of 10
9 REPLIES
Frequent Contributor

Re: Credit monitoring services

You don't have to have a military affiliation to use USAA's credit check monitoring. Try that one again. I thought you did, too, at first. I went back and started looking around on the website and figured it out (it isn't very user friendly).


Starting Score: EQ = 550; TU = 491(2/10/12)
Current Score: EQ = 669; TU = 674(6/20/14)
Goal Score: 700+


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Message 2 of 10
Valued Member

Re: Credit monitoring services

are you wanting to pull all 3 or a particular CRA?


Starting Score: TU 630 (myFICO)
Current Score: 04/12/12 Walmart TU 650 04/01/12 LendingCLub pulled - 648 // 03/18/12 Ex - 610
Goal Score: ALL 3 700 by end of 2012


Take the FICO Fitness Challenge
Message 3 of 10
Moderator Emeritus

Re: Credit monitoring services

Daily pullers:

 

All 3:

EliminateIDTheft (FAKOs - TransRisk Scores)

USAA CreditCheck Monitoring  (FAKOs - PLUS scores)

AlertPlus (FAKOs - PLUS scores....must be a Merril Lynch CC holder)

Amex CreditSecure (FAKOs - PLUS scores...daily pulls available under the Unlimited plan)

 

EQ only:

Equifax ID Patrol (no score)

Credit Watch (no score)

Equifax Complete (FAKOs - Equifax Credit Score)

 

TU only:

Truecredit.com (FAKOs - VantageScore...it's like a daily puller...daily updates on TU)

CreditKarma.com (FAKOs - Vantage & TransRisk...similar to a daily puller, but doesn't show full report...issues for some lately)

 

EX only:

Experian Credit Tracker (FAKOs - PLUS scores)

freecreditreport.com (FAKOs - PLUS scores)

 

And ditto to the above, you don't have to have served to subscribe to USAA's product. Anyone can subscribe.

Message 4 of 10
Frequent Contributor

Re: Credit monitoring services


Lois5669 wrote:

You don't have to have a military affiliation to use USAA's credit check monitoring. Try that one again. I thought you did, too, at first. I went back and started looking around on the website and figured it out (it isn't very user friendly).


Wow...I called the customer service number and that's what I was told. I guess I'll try calling back and talking to someone different (the website won't let me for some reason).

05/31/2013 672 EQ (Fico), 03/08/2012 697 TU (Fico)

Closed on my first home 12/07/11! Officially a homeowner, thanks to this forum!!!

Message 5 of 10
Frequent Contributor

Re: Credit monitoring services


TBOY012 wrote:

are you wanting to pull all 3 or a particular CRA?


Mainly EQ...not even wanting the score, just waiting on this dang account to update the paid down balance and getting extremely impatient.

05/31/2013 672 EQ (Fico), 03/08/2012 697 TU (Fico)

Closed on my first home 12/07/11! Officially a homeowner, thanks to this forum!!!

Message 6 of 10
Highlighted
New Contributor

Re: Credit monitoring services


RW771 wrote:

Lois5669 wrote:

You don't have to have a military affiliation to use USAA's credit check monitoring. Try that one again. I thought you did, too, at first. I went back and started looking around on the website and figured it out (it isn't very user friendly).


Wow...I called the customer service number and that's what I was told. I guess I'll try calling back and talking to someone different (the website won't let me for some reason).


Yes, please do.  I signed up with USAA recently.  My husband used to be in the military but I didn't share any of my husband's info when I signed up.  According to my information/application I had absolutely no military affiliation.

GOALS
GW Crescent bank to delete 3 30 day lates, GW Transouth Financial to delete 4 30 day lates, GW Sams club, GW Service Credit Union, GW Paramount Recovery, PFD LVNV Funding, PFD Applied Bank, PFD Capital One, PFD Asset Acceptance, PFD Capital One
Message 7 of 10
Valued Member

Re: Credit monitoring services

Recently signed up with EIDT and was able to pull all three reports. Today is my first day pulling so I cannot say if I can really pull everyday. One confusing part was, they stated they would a welcome back via email in 2 days and never received the email. Went to the website, login was my email and just clicked on forgot password to get a new pass.


Starting Score: TU 630 (myFICO)
Current Score: 04/12/12 Walmart TU 650 04/01/12 LendingCLub pulled - 648 // 03/18/12 Ex - 610
Goal Score: ALL 3 700 by end of 2012


Take the FICO Fitness Challenge
Message 8 of 10
Valued Contributor

Re: Credit monitoring services

You could always call EQ and say Im confused...I paid xyz account how come it isnt updated 9 out 0f 10 times the cra will tell you oh it was updated or it takes xyz days eitherway you get free answer most of the time play dumb and confused  Also I know you think credit karma is useless but they do pull transunion everyday as I have my report and see all the soft pulls Credit sesame which is also free pulls experian but it can only be pulled once a month but its free!! Hope that helps 


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

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Message 9 of 10
Established Member

Re: Credit monitoring services


Lois5669 wrote:

You don't have to have a military affiliation to use USAA's credit check monitoring. Try that one again. I thought you did, too, at first. I went back and started looking around on the website and figured it out (it isn't very user friendly).


To say that USAA's site "isn't very user friendly" is kind of like saying that Mount Everest looks fairly large from certain angles. The USAA web site is one of the worst-designed pieces of crap I've ever seen--and I'm on the Web all day every day for a living! ! It's damn near impossible to navigate. They ought to fire all their Web designers. I can't believe they can't do a better job than that. LITERALLY it's one of the two or three worst designed sites by a major organization that I've ever seen.

 

After the fifth time I tried to navigate their site and got thrown off it, I finally hit the right spot and text-entry combination to enter the key information--the stats of my father, who served in the military. (My mother did, too.) Their #_*^$# site couldn't verify that and gave me a useless error code about information that I clearly entered on teh same page--and could see it entered correctly in the right spot!!! Their site is some sort of joke, right? It's kind of like the Hell site, edited, which won't let you leave. Just abysmal.

 

Sorry for the rant, folks, but here's a word to the wise: if their credit-montoring service is as bad as their Web site, it's not worth using. 

 

Message 10 of 10