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Posts: 5
Registered: ‎06-20-2010
Re: Credit Monitoring Service (CMS) Guide
[ Edited ]

Old thread, but I'll say that Chase ID Protection (used to be open to anyone -- now you need a Chase account) is pretty good.  They pull all three reports in great detail.  The service claims that you "must wait 30 days between obtaining new report" but that freeze drops after 72 hours.  So you can actually pull your reports 10 times a month, if you had the interest.  Very good customer service too.  Just be aware that Experian payment histories are sometimes listed backwards (no idea why).  Not a problem if you know which end to start reading from.  I get credit alerts within 12 hours of an inquiry being made.  There are are also FAKOs listed for each bureau.  I pay $9.95 a month but I think it's higher ($12+) for new people.