I am currently using Identity Guard and like the format of services and breakdown of scoring, even if it is not FICO. They all vary so I just estimate most likely the best between the accuracy of MYFico and Identity Guard. For all of you have a COSTCO card, the cost of 3in1 reports with Identity Guard is somewhere around 11.00 a month, for non Costco members its 14.99. Though Identity Guard only changes reports every 90 days, but for Costco members it is every 30 days. Gonna kept it for long term monitering.
However, like others on MyFico, I find that the alerts were great in free trial but lag severely in following months. Considering I've been pushing items off my report since 6/07 the amount of alerts are far, few and inbetween. I get faster updates by phoning CRAs directly and asking about progress. MyFICO is supposed to be top noch but I am truly disappointed and feel like they just want their share instead of leading the industry so thank God for Vantage scores to offset the monopoly. I am relearning their system and hope to maintain good credit years to come. Maybe in a year or two, I'll rank above average.
Too many years in the gutter and I was just ignorant for the last 6-5 years but now want to take back a life that was too embarassed or ashamed about. Thankfully, after careful financial research, most things are off my report. Though I spent many years feeling helpless and not knowing the law to have some backbone in the matter. Money matters but it should not be so demeaning. EDUCATE THYSELF.
Message Edited by jngsnkim on
07-30-2007 12:04 AM
