New Contributor
SanityKills
Posts: 56
Registered: ‎08-18-2011
Re: Best Credit Monitoring Service

I think it depends upon when it's reported to the credit bereaus.  I see hard pulls pretty quickly.  You can only refresh once a day so there are 24-hour intervals between new data pulls but that's pretty much better than any other service I've seen.

 

The scores, however, haven't changed for me.  Mine are stuck on 728, 728, and 728.  I'm not sure if it's waiting to receive the next month's reports from the CB's or not since I've only had it for about 3 weeks.  Credit Karma hasn't seen any new info as far as new accounts yet either so I really think it's up to the CB to report before it'll show on USAA.

CreditKarma TU: 680 | Credit.com EX: 668 | Equifax EQ: 671 | Credit Sesame Simulated FICO: 736
Citi Platinum Select: ($6900), Chase Freedom ($3500), Amex BCE ($5000), Amex CLEAR ($6000), Barclaycard Ring ($2800), Barclay Rewards MC ($2500), CareCredit ($4100), Kohls ($1000) | UTL: 3.14%