Understanding FICO® Scoring

[myhearts07]

Or is there a different monitoring service that I should choose?

[Tuscani]

Are you referring to the MyFICO ID Theft Deluxe product? If so, that is TU only.

Message Edited by Tuscani on 07-23-2007 12:23 PM

[myhearts07]

I am not sure.  I want to monitor all 3 bureaus and get daily scores and reports with alerts.

[fused]

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myhearts07 wrote:

I am not sure.  I want to monitor all 3 bureaus and get daily scores and reports with alerts.

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Now that you are a proud cardmember of  Amex, you can sign-up with creditsecure. Or you can

sign-up with TC (truecredit) as many have here. Both allow you to pull every 24 hours from all three CRAs. Just remember that the scores at both sites are FAKOs = meaningless. And disregard all the ridiculous comments on the score part of the reports

https://www124.americanexpress.com/cards/loyalty.do?page=creditsecure

https://www.truecredit.com/products/optimizedOrder.jsp?versionID=0&package=TriBureauCMU&formName=fre...

[myhearts07]

Crapola..  What's the point in having them then?

[fused]

myhearts07 wrote:

Crapola..  What's the point in having them then?

CS and TC are inexpensive ways to monitor your reports, not scores. For about $12 dollars a month, you can pull 30 or 31 times a month. If you pulled all three of your reports daily at myfico, just think how much that would be.

I pull daily from CS and TC, if something major changes on any of my CRs, then I will come to this site my pull my report(s). For those in credit recovery/repair mode, these monitoring services will let know when the crud is removed (baddies, derogs), when new accounts, CLIs, inqs and etc. report, and it's also helpful in preventing identity theft.

Personally, I'm waiting for two new accounts to report, CITI Dividends and a Chase joint account with my DW.

[MidnightVoice]

fused111 wrote:

For about $12 dollars a month, you can pull 30 or 31 times a month.

In February? 

[smallfry]

For those of you who intend to pull daily credit reports be aware there is a danger of split files. After pulling for two months and watching all new accounts report I am most definitely stopping that practice. Search for split files over at CB if you think there is no danger pulling your reports daily. About the only safe pull is Experian.

[fused]

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smallfry wrote:
For those of you who intend to pull daily credit reports be aware there is a danger of split files. After pulling for two months and watching all new accounts report I am most definitely stopping that practice. Search for split files over at CB if you think there is no danger pulling your reports daily. About the only safe pull is Experian.

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I have heard of EQ files splitting but it's extremely rare!