topic Re: Credit Score Monitoring? in General Credit Topics

Credit Score Monitoring?

CreditMENA — Tue, 21 Aug 2012 14:46:31 GMT

Hey all,

What service and/or subscriptions do you guys use to monitor your credit score? Is the SOP to subscribe to something that only tells you something has changed, and then you buy a score, or to subscribe to something that tells you your score as well? If any of you have any product suggestions, I'd appreciate it! Thank you.

Re: Credit Score Monitoring?

jsickz32 — Tue, 21 Aug 2012 14:49:46 GMT

USAA is best IMHO. 12.99 a month and you can pull your CRs anytime.

Re: Credit Score Monitoring?

WhiteCollar — Tue, 21 Aug 2012 14:51:03 GMT

I use USAA CreditCheck Monitoring Premium. You must be a USAA to use the service. It gives you daily access to all three of your credit scores and reports. Note, the score are NOT fico scores but they are very close in most cases.

https://www.usaa.com/inet/pages/creditcheck_monitoring_main

Re: Credit Score Monitoring?

j_casteel — Tue, 21 Aug 2012 14:52:05 GMT

@CreditMENA wrote:
Hey all,

What service and/or subscriptions do you guys use to monitor your credit score? Is the SOP to subscribe to something that only tells you something has changed, and then you buy a score, or to subscribe to something that tells you your score as well? If any of you have any product suggestions, I'd appreciate it! Thank you.

I think there is a "sticky" that has several listed and a description with price of each.

I use CreditKarma, MyFICO, and get my TU thru Walmart.

Re: Credit Score Monitoring?

Open123 — Tue, 21 Aug 2012 14:55:53 GMT

USAA is the best, in my view.

If you're not opposed to calling for a lower price, they'll often give you a year's service at 6.12 per month. When you call to cancel the service, they'll offer you the lower price. I don't like threatening to cancel things, so I just called them asking if they're open to lowering my price.

And, they were and did.

Re: Credit Score Monitoring?

Duncanrr — Tue, 21 Aug 2012 16:04:00 GMT

Use them all:

USAA - Great for seeing account activity across board but individual account pay status is slow

Experian - can get all three but its expensive. I use just the EX one as it shows my payment status the quickest

MyFICO - use Quarterly and EQ Scorewatch. Good combo to track changes over time of real FICO scores

Free services - well they are free (Credit Karma and Credit Sesame) Also use MyCreditInform (free with Cap1 secured card)

Re: Credit Score Monitoring?

Anonymous — Tue, 21 Aug 2012 16:06:14 GMT

Don't forget Quizzle.

They will give you a free report/score every 6 months.

Just be careful what you click on, it's really a marketing site for QuickenLoans.. but if you avoid the ads it's a very decent site.

Re: Credit Score Monitoring?

Duncanrr — Tue, 21 Aug 2012 16:21:51 GMT

I really dont like Quizzle. Its a slick site but the updates are too infrequent (for the paid version of the site). I remember someone asking a while back...but is there a free EQ site out there?

Re: Credit Score Monitoring?

Anonymous — Tue, 21 Aug 2012 16:24:52 GMT

I like USAA mnitoring but weird thing is even when new cards are added seems like my score does not change much, I added a 3k limit cu card showed up on all 3 reports by yesterday however my score did not change 1 point yes I know its a not a fico score but still

Re: Credit Score Monitoring?

jsickz32 — Tue, 21 Aug 2012 16:25:02 GMT

Other than joining DCU for the free monthly EQ. I dont think so.

Re: Credit Score Monitoring?

Anonymous — Tue, 21 Aug 2012 17:18:49 GMT

I use Equifax, but their systems have been screwy lately. Apparently they are in the process of upgrading their systems, and if you are on an old plan, then all of the features might not work. So, you have to call them and complain to get them to change you over to the new product. In my case, I complained that I was trying to access this for some time now and had been unsuccessful. First, they tried to pull well this is what is wrong, and since the product is not offerred anymore we can give you XYZ for $2 more per month then you are paying. I told them not happening, I'll keep what I have and they can go submit a ticket to get my issue fixed. They came back and said, they don't think that the old product will ever work properly on the upgraded system, so they are going to give me the XYZ for $2 LESS than what I was paying for to make up for the inconvience.

I've had them for about 2 years, and I have been mostly happy until my "ancient" product was no longer working right. The account alerts (inq's, new accts) come through fairly quickly which is a plus.

Re: Credit Score Monitoring?

Anonymous — Tue, 21 Aug 2012 20:04:45 GMT

I use Credit Karma for FAKO TU scores, Quizzle for the monthly reports with CE FAKO score(7 bucks/month), myFICO when I am about to app for anything - I usually alternate which bureau I pull (because I am cheap), US Bank for free score (Experian I think, still FAKO), and Credit Sesame just for the hell of it. I also pull all 3 CR's annually to keep my file up to date (without scores).

Re: Credit Score Monitoring?

bichonmom — Tue, 21 Aug 2012 23:49:24 GMT

USAA gives you the most bang for the buck. All 3 CRs daily if you want. $12.25/month.

I also use EQ Score Watch for up to date FICO for EQ.

Re: Credit Score Monitoring?

LS2982 — Tue, 21 Aug 2012 23:50:33 GMT

I use AMEX CreditSecure for my main 3 bureau once a day pull, little expensive @ $26 a month but well worth it to me.

I also use TU's CMS and Creditkarma. I'm cancelling my EX CMS.