Credit Card Center Advertiser Disclosure†
05-11-2012 07:24 PM
05-12-2012 10:11 AM
05-12-2012 03:31 PM
I decided that I don't need it for an entire year but rather 6 months since $15 a month is a little steep. So I would like to keep it on for 3 months and then stay off it for 3 months and repeat.
Wouldn't it be much cheaper to pull the report as needed vs. the min. $45 committment? You'd get the same number of reports in the end, and that's assuming you don't find any discount codes like the Mothers' Day one floating out there now at 20% off.
05-30-2012 07:24 PM
05-31-2012 06:40 AM
Mods don't have insider information.
But I think they should for Dad's Day in keeping with tradition: BBQ, sports, chasing the groms around, and FICO scores. It doesn't get any more American than that...well, almost.
05-31-2012 07:43 AM
06-02-2012 08:00 AM
Is it two reports per year or two reports per membership term (minimum 3 months)? I was under the impression that you could get a membership for the three months with 2 reports and then start another three months with another two reports. I guess that is not how it works? So for $179.40 per calender year that buys two reports with scores? Looks like I will be cancelling this as well.
06-02-2012 08:34 AM
Score Watch Benefits:
It's two reports per year, with one of the two being used when you subscribe. If you opt for the monthly term vs. paying annually, there's a min. 3 month committment with access to the one report used upon subscribing, with the 2nd being available after 3 months (I guess inserted to keep folks from cheating the system by subscribing and then cancelling over and over for free reports). If you pay annually, then the 2nd report is available for you to use anytime. Upon renewal, then two more are added. If you used up the reports, additional ones are 30% off.
IMO, it's a good product, provided your goal is to monitor your EQ FICO score. The cost per year is $149.95, which seems high, but each FICO report pull is $19.95 otherwise. If you pull your EQ FICO report more than 7 times per year for the EQ FICO score only, it definitely is more cheaper to go with SW. If a FICO score isn't important, then it isn't worth it. If the focus is reports only, then there are CMSs out there that are much cheaper.
06-02-2012 12:41 PM
"with the 2nd being available after 3 months"
I signed up on the 6th(got first during the trial) and used my second one a few days ago. Both reports done same month.