cancel
Showing results for 
Search instead for 
Did you mean: 

Question about tracking updates to your file

tag
Jutz
Valued Contributor

Question about tracking updates to your file

What is the best way to track when changes, especially deletions are made to your file?  I'm pretty confused right now.  I'm having a total of 3 collections removed from TU and EQ, and 2 from EX.  I want to see when these are removed, but that has proved more difficult than I thought.

 

EQ has that way of getting a fresh file anytime you prepare for an online dispute, so that one was easy.

EX I can't find a way to update without paying for a report from someone.  Credit Sesame only updates once a month and really have collection info unless you buy a "report" anyway

TU Has QM, which is apparently pointless, since it has never sent me an alert, even for a new inquiry from GE and subsequent new account.  CreditKarma updates all the time, but the account info might not be accurate?  My issue is that CK updated again yesterday to add another 18 points, when I logged in it doesn't show any collections listed (As it shouldn't once all the deletions are done) however, I purchased another TU report from MyFico, and there was still 1 collection listed.  So now I don't know what to believe.  Is it possible CK is ahead of MyFico?  I wouldn't be too happy if I purchased an out of date report from here.

 

TL;DR What's the best way to track updates, especially deletions, without paying a ton of money.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 1 of 24
23 REPLIES 23
electra
Established Contributor

Re: Question about tracking updates to your file

I don't know and would like to know as well. Smiley Happy   * subscribe*

Message 2 of 24
llecs
Moderator Emeritus

Re: Question about tracking updates to your file

IME, a 3-in-1 daily puller CMS worked the best. I can access all 3 reports whenever I wanted.

Message 3 of 24
Jutz
Valued Contributor

Re: Question about tracking updates to your file

Does a daily puller even exist any more though?  I know USAA even ended theirs

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 4 of 24
llecs
Moderator Emeritus

Re: Question about tracking updates to your file

USAA still has an option I believe, though at an added cost. Amex's CS and EIDT still offer a daily puller. SmartCredit has an option for a daily puller, though it takes some work and effort.

Message 5 of 24
Jutz
Valued Contributor

Re: Question about tracking updates to your file

USAA only lists a 3x a month option.  I've heard some say you can call and they can grandfather you in still, not sure if anyone has done that in awhile?

AMEX says only 2x a month, and I can't find any info on EIDT.

 

I think I'm going to cancel QM, it literally has done nothing for me, and for the $15 per 30 days, I can just purchase a TU report and score for the same price anyway.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 6 of 24
llecs
Moderator Emeritus

Re: Question about tracking updates to your file

Eliminate ID Theft offers a daily 3-in-1:

 

http://www.eliminateidtheft.com/

 

CreditSecure via Amex offers an Unlimited option:

 

https://www295.americanexpress.com/premium/credit-secure-unlimited/home.do

 

 

 

Message 7 of 24
llecs
Moderator Emeritus

Re: Question about tracking updates to your file

I'm still checking USAA. I haven't updated the entire CMS Guide since USAA did what they did.

 

Another option is AlertPlus offered via Experian. That's a daily 3-in-1, still, I think, but you have to have a Merrill Lynch CC.

Message 8 of 24
Jutz
Valued Contributor

Re: Question about tracking updates to your file

Thanks llecs Smiley Happy

 

I also set QM to not renew for the next quarter.  I see no sense in paying for a TU score every 3 months when I get it free from Walmart, especially if it's not going to report changes timely and accurately.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 9 of 24
Jutz
Valued Contributor

Re: Question about tracking updates to your file

EIDT looks pretty good, 13 bucks a month for unlmited 3in1 pulls, if I'm interpreting the website correctly.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 10 of 24
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.