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credit monitoring with daily pulls

New Member

Re: credit monitoring with daily pulls

That would be awesome! 

 

Thank you!

Life after BK
TR - 652
EQ - 660
EX - 665
Goal - to be 720+ and debt free
Message 11 of 20
New Contributor

Re: credit monitoring with daily pulls


Shyone44 wrote:

From my understanding, Yes you do need to be a member


Well that stinks, I'm not a member. Anywhere else anyone would recommend to go then?

 

Starting Score 4/3/13 : FICO 612 TU (FAKO)--642 EX (FAKO) - 497 Equifax (FICO) 593
Current Score6/28/13 EX(FAKO) 602, EQuifax (FICO) 615, TU(FICO) 642 EX-(FICO) 657
Goal Score : 700+
Message 12 of 20
Valued Member

Re: credit monitoring with daily pulls

I use EliminateIDTheft... It's $17 a month for  two people (I pull mine and my husbands daily). I think just one person is $10.

 

They pull from all 3, you can access a new report/scores every 24 hours.  I didn't like it at first because you have to manually click that you want a new report (I didn't see the tiny button for the first week or so, so the info was never changing), but once I got used to it, it gets the job done. 

Message 13 of 20
Established Contributor

Re: credit monitoring with daily pulls

I am having a huge issue with Equifax right now. I have not been able to pull reports for over 6 weeks through their service. I am pretty sure that this has also broken Score Watch. I also got fed up and tried to purchase my EQ FICO through myFICO also. All of this has come up empty.

 

Through the EQ site I constantly get a Failure notice when I pull my report. I've had a couple of different reason codes. Apparently all the codes I got mean "Too Many Soft Inquiries" on your reports. I have monitored so much that I broke the system. After calling Customer Support, who transfers me to disputes, who tells me they don't fix this, to be transferred to Personal Solutions Services who issued a workorder/trouble ticket with the Technology Department --- I have waited well over the 5-7 days to have this fixed.

 

Anyway, monitoring too much can backfire I guess.

Message 14 of 20
New Contributor

Re: credit monitoring with daily pulls


jmc912 wrote:

I use EliminateIDTheft... It's $17 a month for  two people (I pull mine and my husbands daily). I think just one person is $10.

 

They pull from all 3, you can access a new report/scores every 24 hours.  I didn't like it at first because you have to manually click that you want a new report (I didn't see the tiny button for the first week or so, so the info was never changing), but once I got used to it, it gets the job done. 


Is EliminateIDTheft one of those I also have to call to make the special request for daily pulls or is that online when I sign up?

Starting Score 4/3/13 : FICO 612 TU (FAKO)--642 EX (FAKO) - 497 Equifax (FICO) 593
Current Score6/28/13 EX(FAKO) 602, EQuifax (FICO) 615, TU(FICO) 642 EX-(FICO) 657
Goal Score : 700+
Message 15 of 20
Valued Member

Re: credit monitoring with daily pulls

Nope you don't have to call, just sign up right online. It takes a day or so to get your login information but then you are good to go. It's the only other one I could find other than USAA that pulled from all 3 daily. Somewhere on this board there is a huge list of monitoring services and the details. You may want to check it out, 

Message 16 of 20
New Contributor

Re: credit monitoring with daily pulls


jmc912 wrote:

Nope you don't have to call, just sign up right online. It takes a day or so to get your login information but then you are good to go. It's the only other one I could find other than USAA that pulled from all 3 daily. Somewhere on this board there is a huge list of monitoring services and the details. You may want to check it out, 


Thanks for the info and the help!!

Starting Score 4/3/13 : FICO 612 TU (FAKO)--642 EX (FAKO) - 497 Equifax (FICO) 593
Current Score6/28/13 EX(FAKO) 602, EQuifax (FICO) 615, TU(FICO) 642 EX-(FICO) 657
Goal Score : 700+
Message 17 of 20
Valued Member

Re: credit monitoring with daily pulls

My pleasure. If you do sign up, make sure you want 24 hours and a few minutes before you click to refresh. Sometimes if you do it right at 24 hours it will only show you TransUnion. 

 

The button to get a new report is pretty non-obvious but you should be able to find it.

 

Good luck!

 

Message 18 of 20
New Contributor

Re: credit monitoring with daily pulls

will do!! thanks

Starting Score 4/3/13 : FICO 612 TU (FAKO)--642 EX (FAKO) - 497 Equifax (FICO) 593
Current Score6/28/13 EX(FAKO) 602, EQuifax (FICO) 615, TU(FICO) 642 EX-(FICO) 657
Goal Score : 700+
Message 19 of 20
Highlighted
Regular Contributor

Re: credit monitoring with daily pulls


rose214 wrote:

Shyone44 wrote:

From my understanding, Yes you do need to be a member


Well that stinks, I'm not a member. Anywhere else anyone would recommend to go then?

 


 Membership with USAA is very simple, I signed up yesterday online, completed their process and got the monitoring service (looks like experian) then today when I clicked to refresh my report it offered to upgrade my account to unlimited daily pulls of the three bureaus for the twenty three bucks a month that others have stated. I've since cancelled my transunion that only does it monthly.

 

Hope this helps!

 

JP


TU:552 | EQ:561 | EX:567 | Starting Score [LP from 08]
TU:693 | EQ:682 | EX:700 | Current Score [11.21.13]
[720 Overall] Goal Score - The grass is greener in the garden! (Amex made me fall out... since 12.13)

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Message 20 of 20