Is CreditInform a good website to monitor my credit...I got it for free from CapitalOne

[danny4l]

When I was approved for the Capitalone secured card, they gave me a free subscription to CreditInform.  I have been using this program to inquire about my credit score and my credit report.

Is it reliable information?  Is the score (based on my Experien report) reliable? 

It says I am at 617...can I assume that this is accurate?

[Repo-ed]

No.

No CMS out there gives you your real FICO score.  They all give you what is called a FAKO score.

You will only get your real TU and EQ FICO from here (or a different vs of a TU FICO score via the walmart CC)

What a lot of do, is sign-up for SW and quarterly monitoring through here to get our TU and EQ scores and reports, in conjunction with signing up with USAA CMS, so we can pull all 3 CRs each day for free.

[Anonymous]

I recently signed up for USAA's CMS and enjoy their service, but I know the scores are FAKOS.

[mwmiller82]

Repo-ed, can you decode all of those abbreviations you just used. I would like to try that method.

[2NE1]

Common Abbreviations: http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458


Scorewatch Guideline: http://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Score-Watch-Guide/td-p/603543


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

[LondonMassey]

I have the same program and I like it. Just know that you get 2 reports free/yr BUT they don't update them automatically. To update it, you have to request it. Also, aside from the monitoring service, you can call a rep and ask questions regarding your report and situation and they can assist you. They are required to pass courses regarding credit and information in order to have the job.

[JonRun]

I agree with using ScoreWatch from MyFico and USAA Credit Watch. You can pull all 3 reports from the USAA site everyday.

[LondonMassey]

I also use creditscore.com which I like, but mycreditinform.com is free with the cc and is a good service.

[injustifiiable]

---

@LondonMassey wrote:

I have the same program and I like it. Just know that you get 2 reports free/yr BUT they don't update them automatically. To update it, you have to request it. Also, aside from the monitoring service, you can call a rep and ask questions regarding your report and situation and they can assist you. They are required to pass courses regarding credit and information in order to have the job.

---

The score is supposed to update monthly, no? Does it do it automatically? I got my first report from them April 30th and it hasn't updated yet.

[LondonMassey]

I would call them and ask. I never pay much attention to the score, just the report and analyzer.