Monthly Credit Reports and Scores

[Anonymous]

@AppleInc it's the credit monitoring product on Experian. Trial is $4.99 then $24.99 p/m after.

*Update 

You're correct. New reports are only made available every 90 days. Creditworks will only notify you of changes. 

[Anonymous]

I'm just waiting for the 6th month of my oldest account then sign up for myfico. Experian is great for their reports, cleaner UI and $4.99 trial so its not too bad. TU is $9.95 trial and experian $7.99. Great thing is if they can't pull your report for any reason they refund 

[Anonymous]

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@rmduhon wrote:
Yes, but you'll need to use different email addresses

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This is actually not true - all you need to do is log back into your same account after the cancellation and voila!  "you've qualified for another $1 7-day trial!" will pop up.  I've been paying $1 every other week for a couple months now, and getting updates on a weekly basis - no email tomfoolery required

[Anonymous]

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@A1Credit wrote:

Does anyone know where I can get a montly report from all three credit bureaus?  I currently have the MyFico 3BReport but I only receive my reports on a quarterly basis, which is frustrating because I have paid off several collections (deleted as well) and charge-offs and I would like to know if my reports reflect the changes and how it impacted my scores.

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Our OP (above) and others on this thread (RebuildingInSC) ask for ways to get reports from all three bureaus.  The best cost-free solution I know of is a combination of Credit Karma (for EQ and TU) and freeCreditScore (for EX).

https://www.freecreditscore.com/

The latter gives you a true FICO 8 classic score and a report each month.  Karma gives you EQ and TU reports as often as once a week.

This approach can be supplemented with free monthly FICO scores from many CC issuers, along with the occasional $1 Credit Check Total pull a couple times a year.  There are banks and CUs that give free FICO scores as well.

myFICO Premier, by way of contrast, costs almost $500 a year.  That's a lot of burgers at Five Guys.  Even the $25/mo options mentioned in this thread still run you $300 a year.  Nothing wrong with anyone paying for those of course.  But it should be done intentionally, in my opinion, after at least considering a solution that would cost $0.

[A1Credit]

That is helpful advice.  Thank you!

[raisemysc0re]

With Experian CreditWorks you get all 3 reports/scores monthly and experian daily:

Monthly 3-Bureau Report & FICO Scores

Daily Experian Credit Report & FICO Scores

What I'm not sure about is if you get the updated scores from TU and EQ daily???