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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 I wouldn't be too happy if I purchased an out of date report from here.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.
| 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 |
I don't know and would like to know as well. * subscribe*
IME, a 3-in-1 daily puller CMS worked the best. I can access all 3 reports whenever I wanted.
Does a daily puller even exist any more though? I know USAA even ended theirs
| 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 |
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.
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.
| 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 |
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
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.
Thanks llecs
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.
| 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 |
EIDT looks pretty good, 13 bucks a month for unlmited 3in1 pulls, if I'm interpreting the website correctly.
| 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 |