topic Re: Credit monitoring in General Credit Topics

Credit monitoring

Anonymous — Thu, 02 Feb 2012 22:46:41 GMT

I have discover card and this is what they're offering. $9.99/Month. Good deal?

3-Bureau credit report monitoring means the most credit score insight available. Credit Reports and Scores from all three credit bureaus (Experian®, TransUnion®, Equifax®)

Unlimited 24/7 online access to your Experian® credit report and credit score.
Access to three bureau credit reports and credit scores once a month.

Customized Experian® Credit Score Alerts

Receive an alert to changes in credit score, or customize your score alerts to know how you are progressing towards your goal.

Credit Score Illustrator

Simulate how different factors such as timely payments, credit inquiries, and opening or closing your accounts might affect your credit score.

Score tracking tools

Track your credit score over time to see how your score changes month to month and how it compares to your target score.Member Services Representatives

Available to help answer your questions.

Re: Credit monitoring

p- — Thu, 02 Feb 2012 22:55:02 GMT

@Anonymous wrote:
I have discover card and this is what they're offering. $9.99/Month. Good deal?

3-Bureau credit report monitoring means the most credit score insight available. Credit Reports and Scores from all three credit bureaus (Experian®, TransUnion®, Equifax®)
Unlimited 24/7 online access to your Experian® credit report and credit score.
Access to three bureau credit reports and credit scores once a month.

Customized Experian® Credit Score Alerts
Receive an alert to changes in credit score, or customize your score alerts to know how you are progressing towards your goal.
Credit Score Illustrator
Simulate how different factors such as timely payments, credit inquiries, and opening or closing your accounts might affect your credit score.
Score tracking tools
Track your credit score over time to see how your score changes month to month and how it compares to your target score.Member Services Representatives
Available to help answer your questions.

I think this is a FAKO, not fico, so the score is just a guestimate, but the report info will be good. This is about ballpark for a once-a-month pull, but there are other sources that allow unlimited pulls.

Re: Credit monitoring

Anonymous — Thu, 02 Feb 2012 23:11:13 GMT

oh wow. Thank you for the info.

Lucky I haven't signed up for the service.

I want to know all my three FICO scores, but I don't want my loan officer to pull them. I've heard that might hurt my scores. I pulled the below info from creditkarma and I guess they're useless as well :-)

Any suggestion where to pull my own FICO scores?

I've already joined myfico, so I know my EQ.

SCORE HISTORY Your TransRisk score is 641. It has not changed since your last update on Jan 7, 2012. Feb. 2, 2012

Your TransRisk score is 641. It has not changed since your last update on Jan 7, 2012.

SCORE HISTORY Your Vantage score is 696. Your score has changed by +29 points since your last update on Jan 7, 2012. Feb. 2, 2012

Your Vantage score is 696. Your score has changed by +29 points since your last update on Jan 7, 2012.

SCORE HISTORY Your Auto Insurance score is 808. Your score has changed by +3 points since your last update on Jan 7, 2012. Feb. 2, 2012

Your Auto Insurance score is 808. Your score has changed by +3 points since your last update on Jan 7, 2012.

Re: Credit monitoring

MarineVietVet — Thu, 02 Feb 2012 23:38:38 GMT

The scores from the Discover service as already noted are not FICO scores. The reports are ok just ignore the scores and advice that go with the reports.

Credit Karma offers 2 kinds of scores; VantageScores which a few lenders use and TransRisk scores which no lender uses.

No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO.

At one time you could also purchase your Transunion score at transunioncs.com but no more. Wal Mart now offers a TU08 score to those who have their store card and the Discover version.

Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/

There is no service that offers all three scores.

Here is an excellent CMS Guide offered onsite.

Re: Credit monitoring

p- — Fri, 03 Feb 2012 00:10:06 GMT

@MarineVietVet wrote:

Here is an excellent CMS Guide offered onsite.

+1 There's the link I was going to post but couldn't find....

Re: Credit monitoring

MarineVietVet — Fri, 03 Feb 2012 00:13:29 GMT

@p- wrote:

+1 There's the link I was going to post but couldn't find....

Macros can come in very handy. I would be more lost than I already am if not for all my saved information.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Credit monitoring

fused — Sat, 04 Feb 2012 05:42:56 GMT

I love macros!

Re: Credit monitoring

LS2982 — Sat, 04 Feb 2012 23:06:37 GMT

@Anonymous wrote:
I have discover card and this is what they're offering. $9.99/Month. Good deal?

3-Bureau credit report monitoring means the most credit score insight available. Credit Reports and Scores from all three credit bureaus (Experian®, TransUnion®, Equifax®)
Unlimited 24/7 online access to your Experian® credit report and credit score.
Access to three bureau credit reports and credit scores once a month.

Customized Experian® Credit Score Alerts
Receive an alert to changes in credit score, or customize your score alerts to know how you are progressing towards your goal.
Credit Score Illustrator
Simulate how different factors such as timely payments, credit inquiries, and opening or closing your accounts might affect your credit score.
Score tracking tools
Track your credit score over time to see how your score changes month to month and how it compares to your target score.Member Services Representatives
Available to help answer your questions.

Sounds like a nice deal, equivalent of TU's CMS but cheaper.

Re: Credit monitoring

CS800 — Sun, 05 Feb 2012 05:14:13 GMT

Is there one that offers unlimited access to all 3 ? Dont need scores

Re: Credit monitoring

Anonymous — Sun, 05 Feb 2012 06:25:24 GMT

@CS800 wrote:
Is there one that offers unlimited access to all 3 ? Dont need scores

Yes! USAA CMS (Experian product) costs $12.25 a month and, Eliminate I.D. Theft (Transunion product) costs $12.95 a month. Check the CMS Guide that llecs prepared for other choices as well.

Re: Credit monitoring

LS2982 — Sun, 05 Feb 2012 12:24:25 GMT

@Anonymous wrote:
@CS800 wrote:
Is there one that offers unlimited access to all 3 ? Dont need scores

Yes! USAA CMS (Experian product) costs $12.25 a month and, Eliminate I.D. Theft (Transunion product) costs $12.95 a month. Check the CMS Guide that llecs prepared for other choices as well.

You can pull unlimited 3 bureau reports?

Re: Credit monitoring

Anonymous — Sun, 05 Feb 2012 15:54:44 GMT

Yes! I do it everyday. The scores are worthless, but the reports are what I care about.

Re: Credit monitoring

CS800 — Sun, 05 Feb 2012 18:52:29 GMT

@Anonymous wrote:
@CS800 wrote:
Is there one that offers unlimited access to all 3 ? Dont need scores

Yes! USAA CMS (Experian product) costs $12.25 a month and, Eliminate I.D. Theft (Transunion product) costs $12.95 a month. Check the CMS Guide that llecs prepared for other choices as well.

Thanks for the info. Right now i have the EX report and score and I refresh my EX everyday with a plusscore. I wuld love to be able to do that with all 3.

Re: Credit monitoring

CS800 — Sun, 05 Feb 2012 18:53:02 GMT

@Anonymous wrote:
Yes! I do it everyday. The scores are worthless, but the reports are what I care about.

Do oyu know what scores they provide with it? plus/vantage?

Re: Credit monitoring

Anonymous — Mon, 06 Feb 2012 22:40:11 GMT

Is this the product you were talking about?

USAA CreditCheck Monitoring - $12.25/mo - FAKO (PLUS score) - Their Premium service monitors all 3 CRs daily and you can also pull all 3 reports daily. This service is a CreditCheckTotal product (see above) and also offers PLUS scores.

Re: Credit monitoring

Anonymous — Mon, 06 Feb 2012 22:46:58 GMT

That is the exact product. The ONLY thing I do not like about this product is that the "alerts" are not dependable. We received an alert today, for the first time in a long time, yet, when we checked and REFRESHED the reports, no changes had occurred and even the fako scores are all still the same.

Re: Credit monitoring

Anonymous — Tue, 07 Feb 2012 00:05:27 GMT

Thank You.

I just joined and pull my credit reports/scores.

Amazed that all 3 scores are over 700 :-)

I know I know they're not accurate,

but still make me happy for a day :-) worth $12

Hopefully the're not too much difference from FICO score, maybe -/+40 points?

Re: Credit monitoring

p- — Tue, 07 Feb 2012 16:29:41 GMT

@Anonymous wrote:
Thank You.

I just joined and pull my credit reports/scores.
Amazed that all 3 scores are over 700 :-)
I know I know they're not accurate,
but still make me happy for a day :-) worth $12

Hopefully the're not too much difference from FICO score, maybe -/+40 points?

If you're rebuilding, the information contained in your report is more valuable than your score.... Until you get ready to app for a score specific item the PLUS estimate is fine to give you an approximation of your rebuild progress. But the variance is not consistent; it might be right on, or way off, from an actual FICO score.

Re: Credit monitoring

Anonymous — Wed, 08 Feb 2012 03:46:52 GMT

@Anonymous wrote:
Is this the product you were talking about?

USAA CreditCheck Monitoring - $12.25/mo - FAKO (PLUS score) - Their Premium service monitors all 3 CRs daily and you can also pull all 3 reports daily. This service is a CreditCheckTotal product (see above) and also offers PLUS scores.

I could not find it..

Can anyone join USAA?

Re: Credit monitoring

Anonymous — Wed, 08 Feb 2012 04:43:19 GMT

the link is there :-)

go to that link and scroll down to where it said, "CreditCheck Monitoring Premium". Scroll further down and click on "Sign Up Today" to join