topic Re: Best 3-in-1 monitoring service for REPORTS only? in General Credit Topics

Best 3-in-1 monitoring service for REPORTS only?

Anonymous — Sat, 18 Jun 2011 06:35:01 GMT

My first post in the boards, after months of lurking!

I'm at the ground-level of credit repair/cleaning up my reports, and swamped with writing dispute letters, goodwill letters, trying to get inquiries deleted, etc.

I currently use Transunion's TrueCredit as my 3-in-1 service, but I recently found out that they only have daily reports available for TU, and the EX & EQ reports are less up-to-date.

I would eventually like to get a service that will let me watch my FICO/FAKO scores regularly, but right now I don't care--they're low and are gonna stay low for quite a while till I get back on my feet.

So what is the best 3-in-1 service for REPORTS only, that will give up-to-date pulls on a daily/weekly basis for all three?

Thanks in advance!

~ A girl on a credit quest.

Re: Best 3-in-1 monitoring service for REPORTS only?

Anonymous — Sat, 18 Jun 2011 11:24:53 GMT

USAA CCMP

Re: Best 3-in-1 monitoring service for REPORTS only?

Anonymous — Sat, 18 Jun 2011 12:46:36 GMT

I use CreditSecure thru my Amex account.

Since they are a vendor I assume CS is available on it's own.

Re: Best 3-in-1 monitoring service for REPORTS only?

llecs — Sat, 18 Jun 2011 12:56:21 GMT

Be sure to check out the Credit Monitoring Service (CMS) Guide

Re: Best 3-in-1 monitoring service for REPORTS only?

Anonymous — Sat, 18 Jun 2011 16:27:20 GMT

If its reports only then citibanks IdentiyMonitor is pretty cool. They had it for $1 for the first month and a special price of $8.95 per month afterward (normally 12.95 per month).

You get all three reports in a 3 column page.

You get all three PLUS scores as well but since no one likes those anyway.

Re: Best 3-in-1 monitoring service for REPORTS only?

UFGuy2006 — Sat, 18 Jun 2011 18:08:54 GMT

@Anonymous wrote:
USAA CCMP

My favorite by far!

Re: Best 3-in-1 monitoring service for REPORTS only?

bichonmom — Sun, 19 Jun 2011 00:11:57 GMT

@UFGuy2006 wrote:
@Anonymous wrote:
USAA CCMP
My favorite by far!

I just signed up for this, also. I really like the layout, and their CS is in Texas since it's through USAA, which is *really nice*. All you need to do is join USAA and open a checking account to qualify for the CMS. It's 12.95/month, which is much less than the non-USAA alternative (CCT for $29.95/mo).

Re: Best 3-in-1 monitoring service for REPORTS only?

fused — Sun, 19 Jun 2011 00:12:50 GMT

I like CreditSecure.

Re: Best 3-in-1 monitoring service for REPORTS only?

Anonymous — Sun, 19 Jun 2011 00:41:31 GMT

I just signed up for this, also. I really like the layout, and their CS is in Texas since it's through USAA, which is *really nice*. All you need to do is join USAA and open a checking account to qualify for the CMS. It's 12.95/month, which is much less than the non-USAA alternative (CCT for $29.95/mo).

Thanks -- is it possible to join up even if you have no familial connections to the military?

Also, does applying for a checking account with USAA involve a hard inquiry on my CR? Will I likely be turned down due to my (currently) poor scores?

Re: Best 3-in-1 monitoring service for REPORTS only?

Anonymous — Sun, 19 Jun 2011 00:56:48 GMT

You do not have to open a checking account. The only thing DW and I gave from them is CCMP.

Re: Best 3-in-1 monitoring service for REPORTS only?

Anonymous — Sun, 19 Jun 2011 01:12:48 GMT

@Anonymous wrote:
You do not have to open a checking account. The only thing DW and I gave from them is CCMP.

Thanks -- What does CCMP stand for? (It's not in the forum abbreviations list.)

Also, are you/your family connected to the military or were you able to access the service as a non-connected civilian?

Re: Best 3-in-1 monitoring service for REPORTS only?

Anonymous — Sun, 19 Jun 2011 02:18:58 GMT

CreditCheck Monitoring Premium. Anyone can sign up for USAA. As a civilian with no military ties, your product offerings are limited, but CCMP is available. Just click the join button and sign up. No need to open any accounts.

Re: Best 3-in-1 monitoring service for REPORTS only?

slarano — Mon, 20 Jun 2011 07:16:35 GMT

Yup, I signed up for USAA CCMP yesterday. It takes them about 24 hours for you to be able to log-in to your new account after initially signing up and checking your first report, and it can take them 4-5 days before they can start monitoring your CR's. Overall quality of the site is top notch, very organized, and some have reported getting a discount of 50% on their monthly subscription fee if you call in and are thinking of canceling service.

Re: Best 3-in-1 monitoring service for REPORTS only?

UFGuy2006 — Mon, 20 Jun 2011 18:30:47 GMT

@simonlarano wrote:
Yup, I signed up for USAA CCMP yesterday. It takes them about 24 hours for you to be able to log-in to your new account after initially signing up and checking your first report, and it can take them 4-5 days before they can start monitoring your CR's. Overall quality of the site is top notch, very organized, and some have reported getting a discount of 50% on their monthly subscription fee if you call in and are thinking of canceling service.

I signed up and two months later called in asking if there were any discounts available for my account. I stated I love the service but the 12.95 a month was kinda steep... they came back with the 50% discount for a year. Great service!!!

Re: Best 3-in-1 monitoring service for REPORTS only?

trumpet-205 — Wed, 22 Jun 2011 00:23:47 GMT

I just started using USAA CMMP as well. Overall it is not bad. I'm going to call in later and ask for discount.