Thanks. I will sign up for USAA. I have had BofA Privacy Assist for the last year and cancelled it last night. Didn't really get any use of it. It also only gave me an update quaterly.

I will do the same as you..pull the myFico when I need it.

Another question, doing a manual pully daily from USAA on all 3 reports doesn't effect our score right? I guess its a soft hit.

Thanks again!