topic Re: Scorewatch for Transunion in General Credit Topics

Scorewatch for Transunion

Anonymous — Sat, 03 Jul 2010 17:15:44 GMT

Does anyone know if myFICO offers a product that continually monitors TU like Scorewatch does for EQ? I purchased quarterly monitoring for TU here and haven't got an alert or change. Yet Scorewatch for EQ sends me alerts and tells me the new FICO score whenever a change in my credit report is made. I would like something similar for TU or EX if possible?

Re: Scorewatch for Transunion

Lel — Sat, 03 Jul 2010 17:54:22 GMT

myFICO doesn't have a SW-like product for Transunion, and does not offer Experian scores at all.

You might want to consider one of the non-FICO credit monitoring services. You won't get FICO scores, but would be able to track any changes to your credit report. If a significant change occurs, then you could purchase your TU score separately. But you still won't have that option for Experian.

Credit Monitoring Service (CMS) Guide

Re: Scorewatch for Transunion

Anonymous — Sat, 03 Jul 2010 18:25:13 GMT

I looked all over the Transunion web site and do not see where I can purchase just a TU report. They have the "score watch" type product and a 3 in 1 report but I cannot find just a single purchase of one TU report. Please help me out!

Based on what other posts said, I understand that for the purposes of disputes that a purchased credit report gives the company 30 days to respond versus the "free annual report" which gives tem 45 days to respond to.

I was able to locate and purchase reports by themselves from the other 2 but could not find a link on TU's web site.

Thanks

Optic

@Lel wrote:
myFICO doesn't have a SW-like product for Transunion, and does not offer Experian scores at all.

You might want to consider one of the non-FICO credit monitoring services. You won't get FICO scores, but would be able to track any changes to your credit report. If a significant change occurs, then you could purchase your TU score separately. But you still won't have that option for Experian.

Credit Monitoring Service (CMS) Guide

Re: Scorewatch for Transunion

llecs — Sat, 03 Jul 2010 20:03:33 GMT

@Anonymous wrote:

I looked all over the Transunion web site and do not see where I can purchase just a TU report. They have the "score watch" type product and a 3 in 1 report but I cannot find just a single purchase of one TU report. Please help me out!

Based on what other posts said, I understand that for the purposes of disputes that a purchased credit report gives the company 30 days to respond versus the "free annual report" which gives tem 45 days to respond to.

I was able to locate and purchase reports by themselves from the other 2 but could not find a link on TU's web site.

TU's website is difficult to navigate and, like EX, are eager to overshadow a basic report with their own marketing. Here's what I do to get my TU report:

Transunion.com --> Click the "Personal" link --> Click "Credit Disputes" --> Click "Submit a Dispute" --> Click "Online" --> Click "Returning" and login

Follow through the process. You don't have to dispute anything and you get a report, but AFAIK, I don't know of any other way to pull a full report other than through signing up via one of their many products (which I don't need) or going through annualcreditreport. BTW, this method doesn't always work if you recently pulled a report.

Re: Scorewatch for Transunion

Anonymous — Sat, 03 Jul 2010 20:34:55 GMT

http://ficoforums.myfico.com/t5/General-Credit-Topics/Why-you-shouldn-t-dispute-via-annualcreditreport-com/td-p/8826?query.id=12006

This is about the 45 days thing. FWIW, I've had some items that I mailed out responded to within a week.

Re: Scorewatch for Transunion

Anonymous — Sun, 04 Jul 2010 12:47:34 GMT

Thanks Lel

I am learning that the credit monitoring sites are not really worth the money. Better to just buy a report on a regular basis. The exception would be SW. This does exaclty what I am looking for and is extremely useful.