Credit Secure vs MyFico vs Others

[Anonymous]

Couldn't find anything that wasn't pretty old...

What are people using to monitor credit scores these days.  I know many of the lenders give a free score every month.  Are you sticking with that or using something different.  In the past, I have used Credit Secure from AMEX and myFICO.  Took a hiatus (didn't want to know my score) and now am back in the game.  myFICO still seems like a rip off.  Wondering what your opinions are!

[Anonymous]

FICO scores are what matters, so the free scores provided by some lenders such as Chase, Capital One, etc. aren't of the FICO variety (VS 3.0 instead) so they aren't meaningful.  Others like Amex, Citi, Discover, etc. do provide genuine/meaningful FICO scores.

In addition to the monthly scores provided by lenders, I like to throw in a CCT $1 trial (or two) depending on what I have going on with my file.  A CCT $1 trial provides you with your 3B reports and 3 FICO 08 scores, twice, all for a buck.

[Anonymous]

Credit scorecard (discover) for your EX FiCO 8 (free)

[Anonymous]

Discover covers my TU and EX (member scorecard for TU and free scorecard for everyone for EX)

Fingerhut (lol) used to cover EQ but they recently switched back to EX

But I have Ultimate 3B here so I get all three every month plus monitoring anyway.

[SouthJamaica]

---

@Anonymouswrote:

Couldn't find anything that wasn't pretty old...

What are people using to monitor credit scores these days.  I know many of the lenders give a free score every month.  Are you sticking with that or using something different.  In the past, I have used Credit Secure from AMEX and myFICO.  Took a hiatus (didn't want to know my score) and now am back in the game.  myFICO still seems like a rip off.  Wondering what your opinions are!

---

IMHO MyFICO is the gold standard for what's really going on.  The only other thing I really like is experian.com.