Re: Best way to track fico score?
04-14-2012 08:47 AM
If you're expecting a lot of change, I'd avoid SW.
USAA is good but if you're struggling financially CreditKarma is an effective, free way to keep track of things for a while. Generally, negatives tend to fall off TU last.
+1 - I subscribe to SW for EQ, USAA (EX only, not the 3 CRA product), and TC for TU. That covers my 3 CRA. USAA and TC allow free daily pulls. I like TC specifically because it highlights the specific change from the prior report. So if a balance decreased by $100, it highlights it in yellow -$100. Really easy to track changes this way instead of combing the report and comparing report to report. As drkaje said, TU is the last to usually update AND it just so happens that TU contains ALL of my accounts where the other two do not. I also am fortunate enough to get the free montly tri-pull instead of paying the insane $29.95 they charge new subscribers.
As already said though for score tracking you'll need one of the options already listed. There are so many different options for tracking reports however. CK is an ok one, but tends to leave off tradelines. Credit Sesame and Quizzle are other free ones. But you have to pay for additional reports.
Starting Score: 656
Current Score: 678 TU 08, 665 EQ MyFico, 698 EX PSECU
Goal Score: 7OO needed for Mortgage application
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