topic Re: Is anybody using the Discover Score Tracker? in Credit Cards

Is anybody using the Discover Score Tracker?

Awesomely — Thu, 19 May 2011 08:07:05 GMT

Thinking about getting it and just wanted to know if the scores are actually true Experian Fico scores, $8 a month seems pretty nice.

Re: Is anybody using the Discover Score Tracker?

andre181 — Thu, 19 May 2011 09:34:15 GMT

I use it.

Its not a fico, its an EX plus score. Exactly the same as you would get from freecreditreport.com or any of the other EX services.

Re: Is anybody using the Discover Score Tracker?

Awesomely — Thu, 19 May 2011 09:37:32 GMT

So are the scores close to the real thing? I might enroll now.

Re: Is anybody using the Discover Score Tracker?

andre181 — Thu, 19 May 2011 10:04:04 GMT

If you are going to use it to monitor your score, I don't recommend it. It only updates your score twice a month, and its a plus score as I said. Plus scores are somewhat accurate, but they can be way off.

If you want to use it to check your reports, its a good deal. You can pull a new EX report every 24 hours.

Re: Is anybody using the Discover Score Tracker?

DI — Thu, 19 May 2011 10:14:17 GMT

I don't waste money on any of those credit monitoring services.

Re: Is anybody using the Discover Score Tracker?

Awesomely — Thu, 19 May 2011 10:24:17 GMT

Okay nevermind, just found out that it's damn difficult to find a FICO Experian score.

Re: Is anybody using the Discover Score Tracker?

Anonymous — Thu, 19 May 2011 12:21:03 GMT

@DI wrote:
I don't waste money on any of those credit monitoring services.

To some people it's not a "waste".

Which category of "friendly, supportive, and respectful" does this unsolicited negative comment fall into? Every member here in the forums is taking part in an environment CENTERED around improving credit, monitoring current reports, attempting to make positive gains in the credit world. To a LOT of people, that means credit monitoring is helpful. Making positive and helpful comments about advantages or disadvantages of certain services is certainly in line with the spirit of this community, but the holier-than-thou attitude regarding what other people do with their money or what their goals and methods are is getting old, and I see it in almost every thread from certain members.

It makes me feel unwelcome to try to contribute to the community and I'd appreciate it being kept in check.

Thanks.

In reference to the OP, because Discover offers a Plus score, it does not correlate directly to your FICO scores, which most feel are the most useful scores to monitor and improve. Any monitoring service that allows you to pull reports at your leisure and see trend data is useful, but for an $8 monthly fee, there are other services that may be more beneficial (i.e. USAA Credit Monitoring Premium allows you to see three FAKOs, and pull a new report from all three bureaus every day. If you are just looking for trends or foor constant monitoring, this is a good bet. if you are aiming for a certain loan and need to get your fico to a certain score, you may need to belly up to the bar and pay for true FICO scores [though you can find discount codes if you search around!]).

Good luck!

Re: Is anybody using the Discover Score Tracker?

Anonymous — Thu, 19 May 2011 12:22:27 GMT

@Awesomely wrote:
Okay nevermind, just found out that it's damn difficult to find a FICO Experian score.

PSECU. Updated monthly for free. Pretty simple (all automatic).

Re: Is anybody using the Discover Score Tracker?

Anonymous — Thu, 19 May 2011 12:23:36 GMT

USAA Credit Monitoring Service...

FAKO but I think worth it for a while.

Ray

Re: Is anybody using the Discover Score Tracker?

DI — Thu, 19 May 2011 13:10:43 GMT

@Anonymous wrote:
@DI wrote:
I don't waste money on any of those credit monitoring services.
To some people it's not a "waste".

Which category of "friendly, supportive, and respectful" does this unsolicited negative comment fall into? Every member here in the forums is taking part in an environment CENTERED around improving credit, monitoring current reports, attempting to make positive gains in the credit world. To a LOT of people, that means credit monitoring is helpful. Making positive and helpful comments about advantages or disadvantages of certain services is certainly in line with the spirit of this community, but the holier-than-thou attitude regarding what other people do with their money or what their goals and methods are is getting old, and I see it in almost every thread from certain members.
It makes me feel unwelcome to try to contribute to the community and I'd appreciate it being kept in check.

Thanks.

In reference to the OP, because Discover offers a Plus score, it does not correlate directly to your FICO scores, which most feel are the most useful scores to monitor and improve. Any monitoring service that allows you to pull reports at your leisure and see trend data is useful, but for an $8 monthly fee, there are other services that may be more beneficial (i.e. USAA Credit Monitoring Premium allows you to see three FAKOs, and pull a new report from all three bureaus every day. If you are just looking for trends or foor constant monitoring, this is a good bet. if you are aiming for a certain loan and need to get your fico to a certain score, you may need to belly up to the bar and pay for true FICO scores [though you can find discount codes if you search around!]).

Good luck!

I am entitled to my own opinion. Again, I don't waste money on any credit monitoring services. There's nothing negative about my statement. I did not say anything about it not being helping or useful. Those are your words. If other members feel a need to subscribe to credit monitoring services that their choice.

Re: Is anybody using the Discover Score Tracker?

Anonymous — Thu, 19 May 2011 13:57:28 GMT

If you know what bumping is than you would know that credit monitoring services are worthwhile.

Re: Is anybody using the Discover Score Tracker?

Anonymous — Thu, 19 May 2011 14:21:24 GMT

I use CMS's to check when accounts update on my reports. I find them very useful.

I absolutely ignore all the FAKO scores. I don't track them, or use them to watch trends - as FAKO trending is not in any way indicative of FICO trending.

I pull my FICO scores from here on occasion. When actively rebuilding, I use ScoreWatch from this site because EQ is the FICO score most useful to me.

CMS's are great for seeing updated credit reports. But, they're useless for having any grasp whatsoever on what a FICO score may or may not be at any given time or even what trend the FICO score may be taking. And CMS's are absolutely useless when it comes to their FAKO score advice - I stay far far away from the advice/commentary and look at it as the sirens luring you to your demise. Following the FAKO advice that comes with FAKO scores can, and does, damage FICO scores.

But the ability to see what's updating on my reports is a great comfort to me and I have used CMS's for some time to allow me to do that. I like 'em.

Re: Is anybody using the Discover Score Tracker?

daytrade5 — Thu, 19 May 2011 14:48:48 GMT

I love it when these threads get scrappy...LOL. With that being said, I don't use the Discover Score Tracker, I track everything via Fico which I think is your best bet if you're going to sign up for credit monitering services.

Re: Is anybody using the Discover Score Tracker?

Awesomely — Thu, 19 May 2011 17:08:12 GMT

I just signed up for the Score Tracker thingy on this site even though it's an Equifax score and not an Experian score. The layout really is nice. Thanks for all the information guys.

Re: Is anybody using the Discover Score Tracker?

DI — Thu, 19 May 2011 19:21:25 GMT

It's interesting how Discover make an orange button that pop up and says "Get your score" as if its free. My "Get your score" tab has been replaced with "Transfer now" button recently.

Re: Is anybody using the Discover Score Tracker?

daytrade5 — Thu, 19 May 2011 19:43:47 GMT

@DI wrote:
It's interesting how Discover make an orange button that pop up and says "Get your score" as if its free. My "Get your score" tab has been replaced with "Transfer now" button recently.

Mine too... 0% APR on balance transfers, 0% on purchases so on & so forth... Would be nice, if I actually had a balance to transfer....

Re: Is anybody using the Discover Score Tracker?

Anonymous — Thu, 19 May 2011 20:21:20 GMT

Yep - mine too.....

Ray

Re: Is anybody using the Discover Score Tracker?

Anonymous — Thu, 19 May 2011 23:41:55 GMT

I really like the USAA CMS, cause you can pull all 3 reports daily. For how much you pay, it seems like the best deal. I know it has fako scores, but I don't really care about that part, just watching my reports.

Re: Is anybody using the Discover Score Tracker?

UFGuy2006 — Thu, 19 May 2011 23:45:20 GMT

@Anonymous wrote:
I really like the USAA CMS, cause you can pull all 3 reports daily. For how much you pay, it seems like the best deal. I know it has fako scores, but I don't really care about that part, just watching my reports.

I agree... the only thing I wish they also provided were a listing of all soft pulls by report. I would even pay a little more for that info...

Re: Is anybody using the Discover Score Tracker?

LS2982 — Thu, 19 May 2011 23:48:32 GMT

@Anonymous wrote:
@DI wrote:
I don't waste money on any of those credit monitoring services.
To some people it's not a "waste".

Which category of "friendly, supportive, and respectful" does this unsolicited negative comment fall into? Every member here in the forums is taking part in an environment CENTERED around improving credit, monitoring current reports, attempting to make positive gains in the credit world. To a LOT of people, that means credit monitoring is helpful. Making positive and helpful comments about advantages or disadvantages of certain services is certainly in line with the spirit of this community, but the holier-than-thou attitude regarding what other people do with their money or what their goals and methods are is getting old, and I see it in almost every thread from certain members.
It makes me feel unwelcome to try to contribute to the community and I'd appreciate it being kept in check.

Thanks.

In reference to the OP, because Discover offers a Plus score, it does not correlate directly to your FICO scores, which most feel are the most useful scores to monitor and improve. Any monitoring service that allows you to pull reports at your leisure and see trend data is useful, but for an $8 monthly fee, there are other services that may be more beneficial (i.e. USAA Credit Monitoring Premium allows you to see three FAKOs, and pull a new report from all three bureaus every day. If you are just looking for trends or foor constant monitoring, this is a good bet. if you are aiming for a certain loan and need to get your fico to a certain score, you may need to belly up to the bar and pay for true FICO scores [though you can find discount codes if you search around!]).

Good luck!

Why are you so pushy?? I mean really THAT is getting quite old. People have their own opinions and if you dont like them dont respond.