topic Re: TransUnion True Credit question in General Credit Topics

TransUnion True Credit question

bichonmom — Sat, 05 May 2012 20:24:51 GMT

Does this include the full TU CR w/SPs?

Thanks!

Re: TransUnion True Credit question

languedoctor — Sat, 05 May 2012 22:04:16 GMT

I'm probably going to get hammered for this, but I'd recomment creditkarma over TrueCredit.

It's free. It gives you daily monitoring. It shows the balances on your various accounts. It shows the number of inquiries. And it shows you the exact same FAKO - TransUnion Vantage, along with two other FAKOs (TransRisk and some TU insurance score).

The benefits of TrueCredit are that you get more detail regarding inquiries, late payment information, etc.

The best solution I've found is to use the quarterly TU FICO service here (to get a good picture of my TU record) and then supplement it with daily monitoring via creditkarma and no-charge credit reports w/ annualcreditreport.com.

I'd answer the question directly, but my True Credit subscription expired today (I canceled it). You do get access to your TU report. I don't remember if it shows soft pulls.

Re: TransUnion True Credit question

pizzadude — Sun, 06 May 2012 00:37:21 GMT

@bichonmom wrote:
Does this include the full TU CR w/SPs?

Thanks!

I just looked at some older ( 1+ year ) TU credit reports that I have saved from TrueCredit and they do not show soft inquiries.

Re: TransUnion True Credit question

bichonmom — Sun, 06 May 2012 01:05:46 GMT

Thanks!

Re: TransUnion True Credit question

pizzadude — Sun, 06 May 2012 01:09:36 GMT

Also, I just found some tri~bureau reports from TrueCredit and they do not show soft inquiries either....

Re: TransUnion True Credit question

marty56 — Sun, 06 May 2012 19:47:30 GMT

I use TC and they do not show soft INQs. EQ Goid showed them for your EQ report but I don't know if they still do. To me, TC at $9.95 a month with daily TU pulls and monthly all 3 ones and it shows the date the account was reported (great for playing the FICO score game) is the way to go,

Re: TransUnion True Credit question

bichonmom — Sun, 06 May 2012 21:19:02 GMT

@marty56 wrote:
I use TC and they do not show soft INQs. EQ Goid showed them for your EQ report but I don't know if they still do. To me, TC at $9.95 a month with daily TU pulls and monthly all 3 ones and it shows the date the account was reported (great for playing the FICO score game) is the way to go,

True credit is $16.95 a month. It looks like you got in at an earlier price. I have EQ gold credit watch, and do get my EQ repts with softs. I'm just trying to see my TU softs.

Re: TransUnion True Credit question

marty56 — Sun, 06 May 2012 23:33:18 GMT

My original price was $14.95 then I cancelled and called back and they gave me a better deal. That was a few years ago though but it is still worth a shot to try.

Re: TransUnion True Credit question

cdtotten — Tue, 08 May 2012 19:35:43 GMT

You can only see soft inquiries on your report when you purchase (receive) a report directly from the CRA (TU, EQ, or EX) and they do not have that information for the other companies if you purchase a 3-CRA report. There are no third party providers that will ever have soft-inquiry info.

I also prefer to use creditkarma daily... it's free and has pretty much everything you need.