topic Credit monitoring in General Credit Topics

Credit monitoring

Anonymous — Wed, 28 Nov 2012 06:01:07 GMT

Hello I was wondering which service is best to get CR and Scores... I'm currently paying for the equifax 3 in 1 complete but I would like a service that lets me refresh my credit scores any time I want instead of just once a month. Thanks in advance!

Re: Credit monitoring

bettercreditguy1 — Wed, 28 Nov 2012 12:20:15 GMT

As far as I know, there is no such product that allows you to pull a true Fico score daily. The rights to the score are sold each time a request is made. From my experience, there usually is not that much movement in the scores daily/weekly to warrant that scrutiny. For tracking improvements, log on to kredit carma, credit sesame, quizzle, or other advertised sponsored services.

Re: Credit monitoring

llecs — Wed, 28 Nov 2012 13:24:04 GMT

The 3-in-1 service at Equifax.com called Credit Complete offers scores, but they aren't FICO scores. They are a FAKO called an "Equifax Credit Score" and lenders don't use them. However, the report info is great and you can pull a full EQ report anytime you want which is very handy.

As mentioned, there is no product anywhere that offers daily FICO pulls. The cheapest alternative would be to pull from myFICO.com at $19.95/report. If you do that daily, that'll be about $1200/mo. Not too cost effective. If there's an consolation, you can get that reduced by 30% if you have ScoreWatch or 20% off if you have TUQM. Because the price is so high to pull a new FICO score, the best alternative would be to subscribe to a CMS like you have now with CreditComplete. As you see changes to your EQ report, then come back here and selectively pull a FICO report to see the score change. You'd have to find another service for TU to do the same.

Re: Credit monitoring

Anonymous — Wed, 28 Nov 2012 16:04:59 GMT

thanks so much for the advice I'm new to this! lol