Blogger
Posts: 3,360
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
Posts: 712
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 Smiley Happy


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Blogger
Posts: 3,360
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 Smiley Happy


+1

 

Blogger
Posts: 3,360
Registered: ‎10-19-2012
Re: Credit Monitoring
[ Edited ]

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

Established Contributor
Posts: 712
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


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Frequent Contributor
Posts: 365
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
Posts: 3,360
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
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
Posts: 221
Registered: ‎09-20-2012
Re: Credit Monitoring
I use Experian.com for daily pulls. I pay $8.97 a month.
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Current Score: EQ FICO 735 TU FICO 739 EX FICO 743
Goal Score: 800 Gardening since 6/2014 but haven't been active on the board
Established Contributor
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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