They're FAKO's, not FICO's.
There are two things to keep track of when working on your credit: your reports, and your FICO's.
CreditSecure is a popular way to track changes on your reports, but their scores are FAKO's, as are those from all other monitoring services other than the myFICO products. (Yes, you can get your FICO EQ directly from Equifax, and you can get your FICO TU from www.transunion
CS.com; notice the -cs.)
So it is great to sign up for a monitoring service that allows daily pulls of your
reports. CS is sold by Experian. I have TrueCredit, which is sold by TransUnion. I use it because I prefer its format. I think that with CS you can pull more than once every 24 hours, which the truly obsessed find useful.
But if you get a monitoring service, train yourself to ignore the scores, and any advice that they throw in for free, much of which can damage your FICO's.
So:
reports from anywhere that works for you with the price and the access
scores from myFICO
edit to add: you'll know if you have a pm when you see a weirdly glowing orange-gold envelope icon toward the top right of your page. Click it to pick up pm's.
Message Edited by haulingthescoreup on 09-10-2008 07:55 PM
* 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