FICO 3-Bureau Credit Monitoring

[New_Beginning]

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@EW800 wrote:

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@New_Beginning wrote:

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On another note I got my first Experian update! So far so good 

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What type of alert was it?  Score change or a change to your report?

It is great to see a couple of reports of alerts coming through! 

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Score and account change 

[bdhu2001]

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@New_Beginning wrote:

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@EW800 wrote:

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@New_Beginning wrote:

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On another note I got my first Experian update! So far so good 

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What type of alert was it?  Score change or a change to your report?

It is great to see a couple of reports of alerts coming through! 

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Score and account change 

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Did it provide your new score or did it say something like "your score has increased by. . ."?

[darkfrosty]

Did anyone also sign up for the ID monitoring that myfico now offers with the 3 ca monitoring ?? Was thinking of adding it

[bdhu2001]

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@darkfrosty wrote:

Did anyone also sign up for the ID monitoring that myfico now offers with the 3 ca monitoring ?? Was thinking of adding it

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No.  I signed up for an annual ID Protection back in 4/2014 and I get a very good price.  It does everything, the new product does, except true FICO score and customizable alerts for the price of the FICO ID basic.  So I have until March to see how everyone rates the new ID product and to decide if I really want to pay for knowing the true scores of all three Bureaus.  

Currently I'm doing the monthly fee for the 3 Bureaus, but I have no reason to keep the product other than curiosity and more detailed knowledge.  I get two of my FICO scores for free from credit cards and there isn't any major purchase coming up that would give me incentive to track my scores closer.  I tend to be thrifty so I'll probably track the difference between my FICO 08 score and my FICO 08 Bankcard score for three months and then cancel.

[bdhu2001]

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@darkfrosty wrote:

Did anyone also sign up for the ID monitoring that myfico now offers with the 3 ca monitoring ?? Was thinking of adding it

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No.  I signed up for an annual ID Protection back in 4/2014 and I get a very good price.  It does everything, the new product does, except true FICO score and customizable alerts for the price of the FICO ID basic.  So I have until March to see how everyone rates the new ID product and to decide if I really want to pay for knowing the true scores of all three Bureaus. I previously found a site reviewed all of the ID Protection products http://www.nextadvisor.com/identity_theft_protection_services/compare.php.  I'm hoping that by March, they'll be a comparison review that also has myFICO's new product.

Currently I'm doing the monthly fee for the 3 Bureaus, but I have no reason to keep the product other than curiosity and more detailed knowledge.  I get two of my FICO scores for free from credit cards and there isn't any major purchase coming up that would give me incentive to track my scores closer.  I tend to be thrifty so I'll probably track the difference between my FICO 08 score and my FICO 08 Bankcard score for three months and then cancel.

[Divaofsongs]

Ahaaa!!! I woke up this morning and there were 4 alerts in my email box! It was like Christmas in August!

The great news is......................they were all 4 good alerts....................4 credit card balances changed to zero!

[EW800]

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@Divaofsongs wrote:

Ahaaa!!! I woke up this morning and there were 4 alerts in my email box! It was like Christmas in August!

The great news is......................they were all 4 good alerts....................4 credit card balances changed to zero!

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It is great to hear that it appears that the alerts are working!  Did you get these for Exp, TU or both?  

I am hoping to see some good alerts come through in the next couple of days.  I have two CC's that will be reporting $0 balanace, as well as Amex agreeing to remove a 30-day late that I had from about 22 months ago.  It will be so nice to see alerts in regard to more than just Eq.  

[New_Beginning]

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@bdhu2001 wrote:

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@New_Beginning wrote:

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@EW800 wrote:

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@New_Beginning wrote:

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On another note I got my first Experian update! So far so good 

---

What type of alert was it?  Score change or a change to your report?

It is great to see a couple of reports of alerts coming through! 

---

Score and account change 

---

Did it provide your new score or did it say something like "your score has increased by. . ."?

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A new score was also provided...

[bdhu2001]

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@New_Beginning wrote:

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@bdhu2001 wrote:

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@New_Beginning wrote:

---

@EW800 wrote:

---

@New_Beginning wrote:

---

On another note I got my first Experian update! So far so good 

---

What type of alert was it?  Score change or a change to your report?

It is great to see a couple of reports of alerts coming through! 

---

Score and account change 

---

Did it provide your new score or did it say something like "your score has increased by. . ."?

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A new score was also provided...

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Wow!!! I was planning on canceling in 3 months.  With alerts and a score, I don't know if I'll be able to tear myself away.

[Divaofsongs]

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@EW800 wrote:

It is great to hear that it appears that the alerts are working!  Did you get these for Exp, TU or both?  

I am hoping to see some good alerts come through in the next couple of days.  I have two CC's that will be reporting $0 balanace, as well as Amex agreeing to remove a 30-day late that I had from about 22 months ago.  It will be so nice to see alerts in regard to more than just Eq.  

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2 alerts were from EQ and 2 were from EXP............my score did not change yet but I am hoping it will soon.