So far (less than a month), I've been pulling credit reports from TC (TrueCredit) 6 days/ week on average, and other than the reproachful comment that you get when you request the update, they haven't nuked me yet. I ignore the scores. The reports are a little odd sometimes. For instance, Equifax just has x x x x on the payment history instead of OK OK OK OK. It is also a shortened version of the genuine thing pulled directly from each credit bureau, but then so are the ones from the myFICO site.
I have ScoreWatch, and after an initial flurry, I am no longer awakened by the beeping of text updates. (sigh) But when I see something that looks significant on the TC credit reports, I cough up for the FICO's, and at least the EQ report is cheaper with ScoreWatch. It's also fun to play with their score simulator--only available for EQ and TU, not EX.
Didn't I read somewhere else that someone got Credit Watch, and they could pull whenever they wanted, but the info on the reports was always several months old? Can't remember for sure. You might want to type CreditWatch in the search box under your name and see what comes up.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
