topic Re: Credit Monitoring in General Credit Topics

Credit Monitoring

GiveJoy — Sun, 16 Dec 2012 03:00:45 GMT

Does anyone use USAA's Credit Monitoring and/or Identity Protection? Would you recommend it? Not recommend it?

I noticed it was offered and I wasn't sure if it was something that I should consider using. Any advice or recommendations is greatly appreciated.

Btw, I already subscribe to myFico SW and QM, but at this time I don't have access to my Experian credit report and it looks like USAA's credit monitoring offers access to Experian.

Re: Credit Monitoring

Swapmeet — Sun, 16 Dec 2012 07:53:59 GMT

I use their credit check monitoring premium. I love it in conjunction with myfico sw because it is very accurate in regards to information on all three reports. It also gives 3 fako scores that are on the conservative side, for example: my eq fako is 661 and my fico is 678 -- not that it matters much, but hopefully the ex is conservative as well since that's the only fico that I do not have access to. I monitor the info and get alerts as information changes on credit monitoring, then see the impact of it on my fico with sw. It has been an invaluable tool in my rebuilding success to date.

Re: Credit Monitoring

Anonymous — Tue, 18 Dec 2012 00:43:53 GMT

I just signed up for Citibanks Monitoring service for $4.95 through this LINK normally it cost $12.95 a month and they offer a free upgrade to 3 bureau reporting and monthly scores. Cheapest I've been able to find up to this point. I was using USAA's till I found this.

Re: Credit Monitoring

HiLine — Tue, 18 Dec 2012 00:52:30 GMT

@Anonymous wrote:
I just signed up for Citibanks Monitoring service for $4.95 through this LINK normally it cost $12.95 a month and they offer a free upgrade to 3 bureau reporting and monthly scores. Cheapest I've been able to find up to this point. I was using USAA's till I found this.

I'm interested in this service. Do you know if they refresh your reports everyday?

Re: Credit Monitoring

Anonymous — Tue, 18 Dec 2012 02:03:40 GMT

I think they only refresh the scores monthly but any new info posted on any three of your reports would be posted immediately. I just signed up for it today.

Re: Credit Monitoring

GiveJoy — Thu, 20 Dec 2012 14:46:47 GMT

Thanks for the information Swapmeet. I am going to sign-up myself and my husband.

Re: Credit Monitoring

Anonymous — Fri, 21 Dec 2012 01:55:16 GMT

@Anonymous wrote:
I just signed up for Citibanks Monitoring service for $4.95 through this LINK normally it cost $12.95 a month and they offer a free upgrade to 3 bureau reporting and monthly scores. Cheapest I've been able to find up to this point. I was using USAA's till I found this.

WOW! Thanks for this info! I just signed up and it looks great! cheap too!

Re: Credit Monitoring

Swapmeet — Fri, 21 Dec 2012 12:35:31 GMT

@Cutie-Mama wrote:
Thanks for the information Swapmeet. I am going to sign-up myself and my husband.

No worries.

Re: Credit Monitoring

Repo-ed — Fri, 21 Dec 2012 12:53:35 GMT

@Anonymous wrote:
I just signed up for Citibanks Monitoring service for $4.95 through this LINK normally it cost $12.95 a month and they offer a free upgrade to 3 bureau reporting and monthly scores. Cheapest I've been able to find up to this point. I was using USAA's till I found this.

Thanks!

Re: Credit Monitoring

Repo-ed — Fri, 21 Dec 2012 12:55:08 GMT

WAIT a second guys.

At the beginning of the sign-up, it mentions $4.95/mo

At the end AFTER you've paid, it tells you $1 for the first month and then $12.95/mo thereafter.

Cancelling...

Re: Credit Monitoring

HiLine — Fri, 21 Dec 2012 16:55:42 GMT

@Anonymous wrote:
I think they only refresh the scores monthly but any new info posted on any three of your reports would be posted immediately. I just signed up for it today.

Sweet deal!

Re: Credit Monitoring

Anonymous — Wed, 26 Dec 2012 18:58:33 GMT

@Repo-ed wrote:
WAIT a second guys.

At the beginning of the sign-up, it mentions $4.95/mo

At the end AFTER you've paid, it tells you $1 for the first month and then $12.95/mo thereafter.

Cancelling...

I was charged $4.95. I logged into online banking and checked

Re: Credit Monitoring

HiLine — Thu, 27 Dec 2012 02:12:25 GMT

@Anonymous wrote:
@Repo-ed wrote:
WAIT a second guys.

At the beginning of the sign-up, it mentions $4.95/mo

At the end AFTER you've paid, it tells you $1 for the first month and then $12.95/mo thereafter.

Cancelling...
I was charged $4.95. I logged into online banking and checked

Re: Credit Monitoring

HiLine — Thu, 03 Jan 2013 23:20:24 GMT

Does anyone know how to refresh the reports from Citi if that's possible?

Re: Credit Monitoring

Anonymous — Fri, 04 Jan 2013 04:11:09 GMT

I think it only refreshes once a month. I just started using the service and I think their credit monitoring service sucks. ~~I recently applied for Discover and it didn't even alert me of a new HP yet.~~

[edit]

I actually got the alert about an hour I posted this and Discover pulled EQ lol

Re: Credit Monitoring

golo — Fri, 04 Jan 2013 15:40:08 GMT

Is this true? I would like to sign up, but i was looking and it doesn't mention the 12.95 after the 1st month.

Re: Credit Monitoring

HiLine — Fri, 04 Jan 2013 20:15:53 GMT

Pay with credit card. If they charge you above the promised rate, dispute the charge. Done.

Re: Credit Monitoring

Anonymous — Mon, 01 Jul 2013 19:56:59 GMT

Anyone know if it would alert balance changes, limit increases, etc immediately? I use score watch and like it but I need an update today and I know it tends to be slow for some.

Re: Credit Monitoring

shanac — Tue, 02 Jul 2013 04:52:46 GMT

I use Experian.com for daily pulls. I pay $8.97 a month.

Re: Credit Monitoring

Anonymous — Tue, 02 Jul 2013 05:03:59 GMT

USAA's CMS has been good so far. Although some of their tabs are redudant. I really like their monthly statement which has a snapshot of your credit profile (Utilization, # of accounts, DTI ratio, etc).