Blogger
HiLine
Posts: 3,160
Registered: ‎10-19-2012
Re: Credit Monitoring

SE7EN57 wrote:

I think they only refresh the scores monthly but any new info posted on any three of your reports would be posted immediately. I just signed up for it today.


Sweet deal!

Established Contributor
eviLution
Posts: 706
Registered: ‎06-11-2012
Re: Credit Monitoring

Repo-ed wrote:

WAIT a second guys.

 

At the beginning of the sign-up, it mentions $4.95/mo

 

At the end AFTER you've paid, it tells you $1 for the first month and then $12.95/mo thereafter.

 

Cancelling...


I was charged $4.95. I logged into online banking and checked :smileyhappy:


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Blogger
HiLine
Posts: 3,160
Registered: ‎10-19-2012
Re: Credit Monitoring

eviLution wrote:

Repo-ed wrote:

WAIT a second guys.

 

At the beginning of the sign-up, it mentions $4.95/mo

 

At the end AFTER you've paid, it tells you $1 for the first month and then $12.95/mo thereafter.

 

Cancelling...


I was charged $4.95. I logged into online banking and checked :smileyhappy:


+1

 

Blogger
HiLine
Posts: 3,160
Registered: ‎10-19-2012
Re: Credit Monitoring
[ Edited ]

Does anyone know how to refresh the reports from Citi if that's possible? 

Established Contributor
eviLution
Posts: 706
Registered: ‎06-11-2012
Re: Credit Monitoring
[ Edited ]

I think it only refreshes once a month. I just started using the service and I think their credit monitoring service sucks. I recently applied for Discover and it didn't even alert me of a new HP yet.

 

[edit]

I actually got the alert about an hour I posted this and Discover pulled EQ lol


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Frequent Contributor
golo
Posts: 364
Registered: ‎04-04-2012
Re: Credit Monitoring

Is this true? I would like to sign up, but i was looking and it doesn't mention the 12.95 after the 1st month.

Read and read...and then....read some more....


Starting Score: 603 myfico EQ,648 myfico TU april 2012
Current Score: 608 myfico EQ
Goal Score: 660 myfico EQ july 2012??


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Blogger
HiLine
Posts: 3,160
Registered: ‎10-19-2012
Re: Credit Monitoring

Pay with credit card. If they charge you above the promised rate, dispute the charge. Done. 

Established Member
teachag89
Posts: 46
Registered: ‎04-18-2013
Re: Credit Monitoring
Anyone know if it would alert balance changes, limit increases, etc immediately? I use score watch and like it but I need an update today and I know it tends to be slow for some.
Regular Contributor
shanac
Posts: 220
Registered: ‎09-20-2012
Re: Credit Monitoring
I use Experian.com for daily pulls. I pay $8.97 a month.


Current Score: EQ FICO 758 as of 4/15/14 TU FICO 789 as of 5/2013 EX 781 via Amex 6/12/13
Goal Score: 800 Gardening 10/12/13 until 8/2014 app for final PLUS Loan
Established Contributor
CashOnDelivery
Posts: 502
Registered: ‎04-17-2013
Re: Credit Monitoring

USAA's CMS has been good so far. Although some of their tabs are redudant. I really like their monthly statement which has a snapshot of your credit profile (Utilization, # of accounts, DTI ratio, etc).


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

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