topic creditkeeper (?) in General Credit Topics

creditkeeper (?)

Anonymous — Mon, 25 May 2009 08:22:32 GMT

I signed up for creditkeeper about 3 weeks ago. I only did it for the free month of monitering. I wanted to see what kind of job creditkeeper would do. I got 3 scores along with my 3 reports (I realize I got 3 fako scores). My question is can I pull multiple reports with CK or just my one time and then it just monitors the one report (can't remember now who they monitor)?

Re: creditkeeper (?)

Junejer — Mon, 25 May 2009 08:47:06 GMT

Hey Diz, I had them briefly (for less than a month) over a year ago, and I believe they monitor EX. As I recall, I didn't think that it was worth the $ for what I was getting. At the time, I opted for both TC and CCT, as I could refresh daily.

Re: creditkeeper (?)

Anonymous — Mon, 25 May 2009 09:01:01 GMT

Thanks ByrdMan,

If you could only choose one-- TC or CCT which one would you go with? I do like CK's simulator though. It seems pretty good.

Re: creditkeeper (?)

Junejer — Mon, 25 May 2009 09:34:18 GMT

I used to favor TC, when you could pull all three daily, but since that option is no longer available, I think the product is a waste of money. I currently have CCT, reluctantly since it's an EX product.

Re: creditkeeper (?)

2wheel — Mon, 25 May 2009 15:53:41 GMT

I Have CK now . Got it after I couldnt get EX no more from here My scores are about 5 to 10 points off from my actual fico scores but the simulator has been pretty constant in my repair journey. I will probably get rid of it next month tho since there is nothing to fix on my reports now But overall Its been pretty good to me. I can monitor with scorewatch and check EX Every 6 months just to make sure nothing has changed.

Re: creditkeeper (?)

Junejer — Mon, 25 May 2009 20:11:19 GMT

I'd check more than every six months, if I were you. I recently noticed an unauthorized CA show up on my reports. It has taken me a month to rid myself of it. It came at the most inopportune moment possible.

2wheel wrote:
I Have CK now . Got it after I couldnt get EX no more from here My scores are about 5 to 10 points off from my actual fico scores but the simulator has been pretty constant in my repair journey. I will probably get rid of it next month tho since there is nothing to fix on my reports now But overall Its been pretty good to me. I can monitor with scorewatch and check EX Every 6 months just to make sure nothing has changed.

Re: creditkeeper (?)

Imhotrodcrazy — Mon, 25 May 2009 23:05:39 GMT

@Anonymous wrote:
I signed up for creditkeeper about 3 weeks ago. I only did it for the free month of monitering. I wanted to see what kind of job creditkeeper would do. I got 3 scores along with my 3 reports (I realize I got 3 fako scores). My question is can I pull multiple reports with CK or just my one time and then it just monitors the one report (can't remember now who they monitor)?

I have had creditkeeper for about 2 months now. I know the credit scores are fako's but I wanted to monitor all 3 of my reports while I was trying to get some credit. I found that their monitoring was quick. I was notified when I got both new accts and when other things changed. For now, I will keep it. When my reports are where I want them, I may drop it, not sure yet. For the money, it serves my purpose. In addition, I pull my FICO scores every now and then.

Message Edited by Imhotrodcrazy on 05-25-2009 04:05 PM

Re: creditkeeper (?)

Junejer — Tue, 26 May 2009 00:16:45 GMT

I don't recall. Is CK a daily monitoring service? Can you pull all three reports daily? How much is it after the initial free month?

Re: creditkeeper (?)

wmarat — Tue, 26 May 2009 00:33:47 GMT

According to their site, it is daily puller, Experian reseller and costs right $9.99 a month.

Re: creditkeeper (?)

Junejer — Tue, 26 May 2009 00:50:25 GMT

I hate having to use EX products, but that's a good price, and able to pull all three daily, is a definite bonus.

Re: creditkeeper (?)

Anonymous — Fri, 29 May 2009 17:37:46 GMT

i am also planning to sign up for this creditkeeper next month..just saw some feedback here and somehow i have a little idea about this

Message Edited by llecs on 05-29-2009 01:37 PM

Re: creditkeeper (?)

Imhotrodcrazy — Tue, 26 May 2009 01:45:12 GMT

@Junejer wrote:
I don't recall. Is CK a daily monitoring service? Can you pull all three reports daily? How much is it after the initial free month?

You only get your combo report once a month of all 3 credit reports. However, monitoring is ongoing all month of EXPERIAN reporting only. The cost is $9.95 a month. I believe you can get it for $8.95 if you sign up for a year. Otherwise, pay $9.95 and cancel anytime you want. If you would like more info....go to Creditkeeper.com You can also get it free for one month, if you dont like it, it can be canceled. Hope this info helps.

Message Edited by Imhotrodcrazy on 05-25-2009 06:45 PM

Re: creditkeeper (?)

Junejer — Tue, 26 May 2009 02:53:24 GMT

I had it back in early 2008, and there was a reason why I canceled, now I get it. I have CCT and get all three daily for $9.95/month. Well, $19.95, but I call in every month and they refund $10 of it.

Re: creditkeeper (?)

nothingman02 — Tue, 26 May 2009 02:53:26 GMT

From their website, their reports seem identical in format to CCT. But you cant pull everyday like CCT. You could only monitor the reports with their alerts every day which may or may not be the alerts one would want. I think CCT is still better than any for daily monitoring. Ive read a lot of posts where members called up to cancel and were offered the 9.95 instead of 19.95 monthly fee.

Re: creditkeeper (?)

nothingman02 — Tue, 26 May 2009 02:56:16 GMT

@Junejer wrote:
I had it back in early 2008, and there was a reason why I canceled, now I get it. I have CCT and get all three daily for $9.95/month. Well, $19.95, but I call in every month and they refund $10 of it.

You call in every month and say that you "would like to cancel"? Or " time for refund "?

I did not know that and have been paying 19.95. Let me try that this month.

Re: creditkeeper (?)

Junejer — Tue, 26 May 2009 03:02:04 GMT

No, I was a member last year and canceled and then picked it back up this year, so their stupid computer system won't automatically give me the $9.95 monthly price. New members can say that it's too expensive for $19.95 and they will give them $9.95 for six months.

Re: creditkeeper (?)

Imhotrodcrazy — Tue, 26 May 2009 17:23:27 GMT

@Junejer wrote:
No, I was a member last year and canceled and then picked it back up this year, so their stupid computer system won't automatically give me the $9.95 monthly price. New members can say that it's too expensive for $19.95 and they will give them $9.95 for six months.

I think I am going to check out CCT. thanks for the info

Re: creditkeeper (?)

Anonymous — Tue, 19 Jun 2012 20:24:48 GMT

I was paying 9.95 a month for a few years.Then I CALLED to cancel and the customer service person gave me a 6.95 price.