Upgrade to Ultimate 3B from ScoreWatch or stick to free services (CS, CK, etc)

[alexvale]

Currently have ScoreWatch locked into $9.95mo from special promotion and thinking of upgrading to Essentials 3B just to keep track of my credit until I'm done getting my debt down to 10% UR from the 38% I have now.

I want to know my FICO score where I stand before applying for credit cards to consolidate my revolving debt to a 0% BT.

Should I stick to free sites like CreditSesame, Credit Karma, Lending Tree, etc?  Other option is to buy the reports from EX and TU when my going to apply...

[Anonymous]

Depends on it you have the money. I'm like you where I want to know my true FICO Scores. If you do and have the money you have 2 options.... myFICO and Credit Check Total. ($30 but call to cancel and on the automated system it will give you the service for $15 to stay active) CCT updates all 3 FICO's. monthly. MyFICO had other benefits tho. Many more scores but only every 3 months. But any change to a FICO 8 will send you an alert if it is accompanied by a change on your report.

GL with your decision.

[alexvale]

Thanks for the info!

I've decided to stick with the free available services.  Managed to find all 3 FICO 8 for free with monthly updates and some services update weekly, biweekly or monthly.

The only one I cant figure out is TU TrueIdentity... can't find how to update the report.