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Equifax Gold Watch VS USAA Credit Check Monitoring?

Valued Member

Equifax Gold Watch VS USAA Credit Check Monitoring?

Does anyone have an opinion regarding these two servces?  I'm currently subscribed to gold watch, but it appears that for the same price I can get access to all 3 reports and scores through USAA? 

Message 1 of 6
5 REPLIES
Regular Contributor

Re: Equifax Gold Watch VS USAA Credit Check Monitoring?

How much are you paying a month for Equifax Gold Watch? And, what do they give you for that price?

 

I currently subscribe to USAA CCM and am very pleased with it. I pay $12.25/month for access to all 3 reports...the scores they offer are not FICO scores (they are PLUS scores), but that's okay with me...I'm just happy that I can pull a new report daily without any extra cost.

 

I have noticed, though, that CCM is usually a day ahead of FICO's ScoreWatch when it comes to sending out alerts.


Starting Score: EX: 661, EQ: 662, TU: 694 [Lender Pull 12/30/2010]
Current Score: EX: 665, EQ: 680, TU: 710
Goal Score: EX: 750+, EQ: 750+, TU: 750+

Take the FICO Fitness Challenge for 2011
Message 2 of 6
Valued Contributor

Re: Equifax Gold Watch VS USAA Credit Check Monitoring?

USAA is great, it's based on Experian and I find that things hit there a day or two before the service reports them on the other two CRAs.  Just have to ignore the score.

 

I also have Equifax Scorewatch, it's about half price through NFCU.  That's Equifax only and watches my EQ FICO score.  Beware of other Equifax services that provide FAKO scores.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Message 3 of 6
Regular Contributor

Re: Equifax Gold Watch VS USAA Credit Check Monitoring?

These services are the same, just wrapped in a differnt loook depending on hwo you get the service from.

USAA CCM is Equifax!!! Just note the URL when you get sign in

Message 4 of 6
Valued Contributor

Re: Equifax Gold Watch VS USAA Credit Check Monitoring?

USAA relabels CCT, which is Expedia based, not Equifax, and all scores are FAKO.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Message 5 of 6
Highlighted
Senior Contributor

Re: Equifax Gold Watch VS USAA Credit Check Monitoring?

With Equifax Credit Watch Gold you get access to your EQ soft inquiries. 

 

With USAA's Credit Monitoring, you get all three reports, but you do not get any soft inquiries for EQ -- or even TU and EX.

 

Also, with EQ's product you can lock / unlock your EQ credit file.  With USAA's you cannot.

IAALBNYL
Message 6 of 6