Who has best Credit Monitoring for all 3-in-1

[Creditaddict]

I know it's been asked in other places, but wanted to see if a new one came on board recently that is superior to the rest.  I have not really found one that I really like and that I can get new reports whenever I want to and shows all 3

[chasmith]

USAA lets you update your 3-way report daily.  I switched from Citibank's service that only gives a once a month report.

[Creditaddict]

Does USAA Premium give you all 3 scores, or just 3 reports with 1 Ex score?

[Anonymous]

Creditaddict,

You don't like CCT?   It's my favorite.  I think I pay $12 a month.

MPM's the cheapest I have access to but it's a pain to login twice.

Which one's do you like/dislike?

[chasmith]

USAA is repackaged CCT, Experian sourced but all three reports with all three FAKO scores.

[Anonymous]

I'm currently on EQ's "ID Patrol". I was able to jump on a promotion that was $9/mo. Gives you one yearly 3-in-1 report and one score, unlimited EQ reports. After your initial 3-in-1, you get a discounted rate if you want another. Haven't had much of a reason to change or found a better deal.

[Creditaddict]

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@Anonymous wrote:

Creditaddict,

You don't like CCT?   It's my favorite.  I think I pay $12 a month.

MPM's the cheapest I have access to but it's a pain to login twice.

Which one's do you like/dislike?

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CCT?

I currently have EX for free because one of my accounts was compromised and the bank is paying for it for a year, but I only get daily updates and maybe quarterly reports if even that... I can't get access to all 3 and I don't get scores, etc.

I use to use the Amex one which was pretty good.  I use to use one that laid my debts out from highest to lowest and then old accounts at bottom, it made it much easier to go through and see a clear picture of what's going on, but I forget who that was now its been so long

[Creditaddict]

Do you think the USAA or the Ex is better then Trucredit through TU?

[llecs]

Credit Monitoring Service (CMS) Guide

If actively engaged in repair, when you need to see the reports on a frequent basis, then I recommend CCT (or the USAA, and others' resale version) as it is the only CMS out there (please correct me if wrong) that allows you to pull all 3 daily. For the softs and detailed report info, I use CCT for the backdoor-value to get free EX reports. For EQ, I also subscribe to EQ ID Patrol and get unlimited EQ reports (though Credit Complete is $2 cheaper...ignore the scores), and TU's reports are always free.

For the FICO, I come back here and pull new reports as changes warrant. I also use SW only because all future EQ reports are $5 off and used a discount code when I signed up.

TC is a waste, IMO. You only get all 3 reports monthly.

[mauve]

There's a coupon code that makes TU reports here cheaper than the discounted price you get with quarterly monitoring, if that's something you're interested in.  EQ is cheaper than you can get it with the coupon discount (when you are a SW member).