quarterly monitoring

[basballguy]

how do the alerts work?  Do they only trigger when you buy a report?  Or do they trigger when stuff happens to your credit report?

[llecs]

As the product name implies, the alerts come quarterly because the reports and FICO are monitored quarterly. It's not like SW. However, TUQM will alert you to changes in the interim as it pertains to certain identity-related info like changes to your phone, address, and items like that. I don't think they use TU for that and use an outside service that tracks your demographics.

[basballguy]

well i subscribed to it....not really sure why.....guess i'll see if i find any value in it.  It has a section for alerts on new accounts, new credit inquries and new something else (don't feel like looking).....if anything i get 20% off on TU pulls so i may get some value out of it over the next 3 months. 

[llecs]

I thought it was worth it. You get 20% off future FICO reports and it's basically a pre-paid plan on 4 TU FICO reports each year.