topic Re: How do you keep up with your scores/reports? in General Credit Topics

How do you keep up with your scores/reports?

Anonymous — Fri, 14 Sep 2012 13:54:45 GMT

How do you keep up with your scores and reports and how often do you look at them? I am only using creditkarma right now and once my wal-mart cc comes in, I can set my account up and be able to see my fico score there. Yesterday I received my "congratulations your card is on it's way" letter from Discover and it showed my Equifax score as a 688 so that is all I am going by right now. So I wonder how many of you are using the monthly subscriptions and to where. I want to see my credit reports with all the agencies but I thought I would wait until maybe January so that all of the cards I just opened will have hit. Is that smart or should I be looking more often?

Re: How do you keep up with your scores/reports?

maiden_girl — Fri, 14 Sep 2012 14:08:28 GMT

@Anonymous wrote:
How do you keep up with your scores and reports and how often do you look at them? I am only using creditkarma right now and once my wal-mart cc comes in, I can set my account up and be able to see my fico score there. Yesterday I received my "congratulations your card is on it's way" letter from Discover and it showed my Equifax score as a 688 so that is all I am going by right now. So I wonder how many of you are using the monthly subscriptions and to where. I want to see my credit reports with all the agencies but I thought I would wait until maybe January so that all of the cards I just opened will have hit. Is that smart or should I be looking more often?

For a while, I had quarterly monitoring from MyFICO but I canceled it. Started using creditkarma even tho they are using FAKO scores...its still the closest match I've seen to FICO scores and it's free!! Waiting on my walmart card too so I can see my MOST recent FICO score.

Re: How do you keep up with your scores/reports?

Anonymous — Fri, 14 Sep 2012 14:19:40 GMT

I use citi identity mointer. I pay $4.95 a month and I get all 3 CRs monthly and the alert you to New accounts, inquiries, and changes to personal info. The provide a FAKO score that I have found is always very close to my real FICO (last month showed 5 pts less than my FICO. It has has the credit analyzer that shows you what your score can be with different changes to your report.

Re: How do you keep up with your scores/reports?

jamesdwi — Fri, 14 Sep 2012 14:30:58 GMT

I use creditkarma daily, for watching cards report, the FAKO is useless, walmart TU score and myfico score watch though i do debate canceling this one. Also check out ceditsesame.

When I am going App crazy the most effective way to get score the companies send me my accurate scores for free and allows me to pull my full credit report so I can see the full picture, and I get all 3 reports once a year.

Re: How do you keep up with your scores/reports?

Anonymous — Fri, 14 Sep 2012 14:32:10 GMT

I use the free TU04 FICO score from my Walmart card and I subscribe to Score Watch here on MyFico for my EQ. Since it's almost impossible to get a EX FICO without taking a needless inquiry, I use Credit Sesame for their EX FAKO score. I wouldn't bother with Credit Karma. Their scores are really, really inaccurate. They have a TU score more than 40 points lower than my FICO.

Re: How do you keep up with your scores/reports?

jcstarkey8826 — Fri, 14 Sep 2012 14:33:26 GMT

I use CK to monitor TU activity and WM card to get score, EQ dispute (but never file one) to look at EQ info. and SW to monitor EQ score, I use CS to check experian activity and obviously no way to check my score.

Re: How do you keep up with your scores/reports?

Anonymous — Fri, 14 Sep 2012 14:40:48 GMT

*accidental post*

Re: How do you keep up with your scores/reports?

thom02099 — Fri, 14 Sep 2012 14:47:22 GMT

I use CreditKarma daily, to monitor TRENDS in my report. I could care less about the actual score provided, since it is a FAKO. CK provides info on my accounts, shows the various balances of my accounts, when they go down (or up), etc.

I also subscribe to Experian's monitoring service, as it also provides me notices of inquiries and the actual report on file. Since the bulk of my inquiries are EX, it's important to me to know when they occur and more importantly, fall off. I have 4 that come off this month and another one in October. I should see a 25 point gain from this. Again a FAKO, but it's not so much about the score as it is the report. I log in to EX usually weekly.

I also subscribe to ScoreWatch here, to get my EQ score and again to follow TRENDS. If there is an alert to a change in my report I can go on line and check it out. If needed, I can pull a report and new score from both EQ and TU.

Some may say this is a bit of overkill. Perhaps. But since I started using monitoring services and following my reports very closely, my scores have gone from the low 600s to currently mid- to upper-700s and pushing (hopefully) 800. It's all a matter of what you do with the information, and how you manage your finances to maximize your scores.

Re: How do you keep up with your scores/reports?

cd2004 — Fri, 14 Sep 2012 15:02:44 GMT

I use USAA credit monitoring for daily pulls when needed, myfico scorewatch for my real EQ since that is always my lowest score and if I see that Eq has an ok score then more than likely the others are ok. I also have Walmart FICO08 but I use credit karma for the actual details that is on the report not the FAKO scores.

Re: How do you keep up with your scores/reports?

jsucool76 — Sat, 15 Sep 2012 02:30:14 GMT

I use CK and CS, but I think I'm gonna sign up for the wells fargo identity monitor, simply because the first month is only $1 and then I can cancel it right after that

Re: How do you keep up with your scores/reports?

Jazzzy — Sat, 15 Sep 2012 14:10:47 GMT

Has anyone here used Quizzle for EX. I haven't used it in a while, but it's free.

Re: How do you keep up with your scores/reports?

jsucool76 — Sat, 15 Sep 2012 17:43:42 GMT

@Jazzzy wrote:
Has anyone here used Quizzle for EX. I haven't used it in a while, but it's free.

I have it but I think its just a score once every 6 months D:

Re: How do you keep up with your scores/reports?

chasmith — Sun, 16 Sep 2012 13:27:12 GMT

I've been using USAA (Experian sourced, daily pull with 3 FAKO scores) but may be changing because they are stopping daily pulls Oct 9 for me.

I also have Equifax Scorewatch (discounted via NFCU) which gives me alerts on balance changes and tracks my EQ FICO score. I occasionally buy a full report with score.

I started again with Credit Karma, I think it will give me ability to pull my TransUnion daily with FAKO.

I don't actually pull daily but want the abiulity to check a balance. My intensive / credit repairing days are hopefully over.

Re: How do you keep up with your scores/reports?

jsucool76 — Sun, 16 Sep 2012 16:59:48 GMT

@chasmith wrote:
I've been using USAA (Experian sourced, daily pull with 3 FAKO scores) but may be changing because they are stopping daily pulls Oct 9 for me.

I also have Equifax Scorewatch (discounted via NFCU) which gives me alerts on balance changes and tracks my EQ FICO score. I occasionally buy a full report with score.

I started again with Credit Karma, I think it will give me ability to pull my TransUnion daily with FAKO.

I don't actually pull daily but want the abiulity to check a balance. My intensive / credit repairing days are hopefully over.

You can pull CK daily but it doesn't give you your full report. It will update based on what is on your report at the minute you update though, account balances, min payments, inquiries, stuff like that.

Re: How do you keep up with your scores/reports?

laz98 — Sun, 16 Sep 2012 17:52:58 GMT

I was using the TU Quarterly Monitoring, but I decided to cancel it because it didn't really work the way I thought it was going to. We were also both using USAA monitoring, but since they are doing away with the daily pulls & we are trying to cut back on our expenses anyway, we are going to be cancelling that as well. Since I got identity theft'd (yes, I made that up) not too long ago, I'm kind of wary of cancelling USAA, but I don't know if I want to pay more now.

Right now I get all 3 FICO scores via cards/accounts, so that will have to do for me (& I shouldn't complain anyway). My gf only gets a DCU EQ score at the moment, but eventually we will get her into PSECU so she can at least get the EX as well. Probably not going to get her a Walmart card, since we don't really need 2 & she doesn't really need any more cards. I can at least buy the TU here, though.

Re: How do you keep up with your scores/reports?

mtrsprt — Tue, 18 Sep 2012 08:08:03 GMT

I use MyFico quarterly monitoring, and update CK once every two weeks. If your spending more than $10.00 a month on being paranoid about your reports/scores, then you are out of your minds......

Re: How do you keep up with your scores/reports?

Cloudlb — Thu, 20 Sep 2012 17:55:32 GMT

I pull the scores directly from myFico and order my credit reports a few times a year. I'm also signed up for a free credit monitoring through my AAA membership (which I am not sure how useful it is, but anyway)

Unless you are getting ready to apply for a loan, or need to do clean up on baddies, I don't think it's helpful to obsess over daily ups and downs in the score. Regular, on time payments, and time will improve your score overall and in time.