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Credit Reporting Companies

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snsforever916
Regular Contributor

Credit Reporting Companies

Besides My FICO, which companies do you use and why? I am looking for a company that provides all three reports with any score change updates.

 

Thanks Smiley Happy

Starting Scores:
Lender Pull 7/10/2012 EQ 585 EX 617 TU 551
8/2012 MyFico EX 598 01/2013 EX 608 2/2013 EX 620 Smiley Surprised)
9/12/2012 624 (Fico Discover)
02/7/2013 660 (Fico Wally)
At least I'm heading in the right direction!!!

Goal Score:740+, home loan and Get rid of subprime cards!!!



Message 1 of 4
3 REPLIES 3
apandabear
Regular Contributor

Re: Credit Reporting Companies

Lots of threads about this hanging around.. but..

 

I use USAA credit monitoring premium ($12/month) to pull all 3 credit reports every single day. They have PLUS scores, which are not FICO and should not be given much thought, but it's nice to see the upward trend. They are unpredictable, and not generally used by lenders, but if you want a fake credit score, you can get them everyday with USAA.

 

If you don't pull your report everyday, they will alert you to changes. I pull mine constantly, so I rarely get alerts.

2009-10 - C/Os
2011 - Debts paid, no open credit
2012 - Rebuilding started, secured cards opened, SL rehabbed - EQ myFICO 636
2014 - 10k Discover, 3.5k Freedom, AmEx Green, SL, Auto Loan - EQ myFICO 695
Message 2 of 4
scmami
Regular Contributor

Re: Credit Reporting Companies

I just joined USAA this week and I am so glad I did. $12.25/month. Great for a credit addict like me! I used to use Transunion's sites TrueCredit and Zendough which also gave me all 3 reports, but not daily. I think only TU was daily. So now it's Scorewatch and USAA for me!
Current FICOs (Sept 2015) EQ: 666 TU: 663
Message 3 of 4
marty56
Super Contributor

Re: Credit Reporting Companies

True Credit.  At $9.95 a month with daily TU pulls and monthly all 3 pulls + Vantage FAKO scores, it's almost a steal.

1/25/2021: FICO 850 EQ 848 TU 847 EX
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