@hoff33 wrote:I currently am addicted to checking my scores and getting things cleaned up.
I have:
myFICO score watch for EQ
myFICO quarterly monitoring for TU
Credit Karma
TU sevice with daily pull (monthly fee)
EX service with daily pull (monthly fee) These Gone
EQ service with daily pull (monthly fee)
What should I drop/get?
I would like to be able to update daily as needed and I am ok with paying for the service as long as I drop some of the others with fees.
Any site that has all 3 reports with daily pulls? Eliminate Id Theft - MPM give daily pull with all 3, the score you get is same as Credit Karma for all 3 bureaus so I would disregard it. I only use it to monitor changes to my reports and check it prior to apping for new credit to make sure all my balances have updated the way they should.
Thanks!
As for daily pulls, I don't know. Otherwise, here's some suggestions I can give you:
My favorite is creditkarma, which uses on TU. Although they don't offer FICO scoring or detailed reports, they update weekly with changes and have alerts, which awesome for a free membership. They also offer many finance tools/calculators, even a credit score simulator (with their FICO scores, but still helpful in deciding what may happen is you get a loan or new credit card).
There is also creditsesame.com which uses EX, you can join for free and get the same basic stuff as creditkarma, but they only update once a month.
And quizzle.com is the EQ version. You can join for free, and their reports seem a little more detailed, but unless you go Pro and pay like $9 a month, it only updates once every six months. If you go Pro I believe they update your reports once a month.
Another site I like to use that's completely free, but it doesn't have credit report/score monitoring but is a GREAT asset, is Mint.com. You join for free, input any finance information (credit cards, loans, bank accounts, etc, even IRAs) and they keep it all clean and organized with constant updating of your accounts (pretty much each time you log in). It really is helpful, and they have a few neat tools, too. I highly recommend it.
