topic How often do you check in General Credit Topics

How often do you check

littlepriest01 — Tue, 16 Apr 2013 20:01:31 GMT

I'm paying off over 50% of my revolving credit today, and know that I'm going to want to check the scores frequently. I don't necessarily want to pay to pull my FICO everyday, so what other services do you use to check your credit inbetween fico pulls?

Thanks

Re: How often do you check

CS800 — Tue, 16 Apr 2013 20:04:13 GMT

@littlepriest01 wrote:
I'm paying off over 50% of my revolving credit today, and know that I'm going to want to check the scores frequently. I don't necessarily want to pay to pull my FICO everyday, so what other services do you use to check your credit inbetween fico pulls?

Thanks

I use EX monitoring, Credit Karma all FAKOS

But i get my FICO's through here, PSECU, DCU and Wal Mart. I have the credit alert for EQ on here, that works good for me.

Re: How often do you check

Anonymous — Tue, 16 Apr 2013 20:05:28 GMT

@littlepriest01 wrote:
I'm paying off over 50% of my revolving credit today, and know that I'm going to want to check the scores frequently. I don't necessarily want to pay to pull my FICO everyday, so what other services do you use to check your credit inbetween fico pulls?

Thanks

CreditKarma is one of the more popular ones due to its being free. The scores are pretty much worthless, but you can at least keep track of how you util is progressing and see if anything pops up on your reports. They used to let you pull daily, but are now going over to once a week. It's not a bad service considering that it's free.

Re: How often do you check

mojobones89 — Tue, 16 Apr 2013 20:05:44 GMT

usaa credit monitoring,its 12$ and after a month you can call to ask for it to be lowered to 6$it shows all three scores and updates each month but if something big happens both positive or negative it will update right then and there and send you an alert. you get a free refresh each month.

experian membership,if you sign up for all three scores then you get a discount and just like usaa it will do the same features.you get a free refresh each month

credit karam does it once a week,but the score can be off by like 20 points and it only shows TU

credit sesame is updates wierd,seems like hardly never and it only shows EX(IMO this one is the worse of them all)

Re: How often do you check

Anonymous — Tue, 16 Apr 2013 22:43:57 GMT

I check Credit Karma and Credit Sesame. Sesame is a little outdated and doesn't update as frequently as Karma. I also check freecreditreport.com.

Re: How often do you check

Rhaeny — Wed, 17 Apr 2013 00:12:27 GMT

I use USAA and of course FAKO scores. Its $12 or so a month but with the new revamp I think its a little higher. On the website it says only monthly pulls but you just have to call in and ask them for the daily pulls and they will activate that function for you. Other than that I believe a lot of people use Eliminate ID but that is on the TU format and I don't like that. As for free, well others have already mentioned those.

Re: How often do you check

littlepriest01 — Wed, 17 Apr 2013 00:18:20 GMT

What do you mean by FAKO, I'm somewhat new to this.

Re: How often do you check

boomhower — Wed, 17 Apr 2013 00:45:20 GMT

I use the USAA service to keep track of my reports and pull my score whenever I get curious enought to pay for it.

Re: How often do you check

Anonymous — Wed, 17 Apr 2013 19:14:57 GMT

I did not know you could ask USAA for daily pulls. I will give them a call to activate that function since I just signed up for their premium monitoring. Thanks for the info!

Re: How often do you check

Anonymous — Wed, 17 Apr 2013 19:22:27 GMT

USAA daily pulls costs about $22 a month, but rumor has it you can complain and they will lower it. I have tried twice unsuccessfully to complain only to be offered to lower it back down to monthly pulls for the lowered price.

Re: How often do you check

Rackham94 — Wed, 17 Apr 2013 19:24:52 GMT

Guide to Common Abbreviations

FAKO- Generic Credit Score not actual FICO which lenders use most often

Re: How often do you check

Anonymous — Thu, 18 Apr 2013 16:24:46 GMT

Yes, USAA does daily pulls for about $22 a month. They offered me that price and I told the rep it was too expensive so he offered me $15/month for daily pulls for 6 months. I accepted and will cancel in 6 months if they don't keep it a $15/month.