topic Re: Need Recommendation - Credit Monitoring in General Credit Topics

Need Recommendation - Credit Monitoring

BarryNTexas — Fri, 31 Jan 2014 18:50:28 GMT

Never used these services but I now want to add one for during my credit improvement/face lift period. Anyone have a good solid history and suggestion?

Thanks in Advance, BnTX

Re: Need Recommendation - Credit Monitoring

-Wade- — Fri, 31 Jan 2014 18:57:06 GMT

@BarryNTexas wrote:
Never used these services but I now want to add one for during my credit improvement/face lift period. Anyone have a good solid history and suggestion?

Thanks in Advance, BnTX

The one. I like the best is Equifax from their site ! EQ showes the SP's on your file .

Re: Need Recommendation - Credit Monitoring

Swapmeet — Fri, 31 Jan 2014 19:46:57 GMT

@Wade64 wrote:
@BarryNTexas wrote:
Never used these services but I now want to add one for during my credit improvement/face lift period. Anyone have a good solid history and suggestion?

Thanks in Advance, BnTX
The one. I like the best is Equifax from their site ! EQ showes the SP's on your file .

For all 3 CRAs?

Re: Need Recommendation - Credit Monitoring

BarryNTexas — Fri, 31 Jan 2014 19:57:41 GMT

Across the board. So there is not one services that covers it all? I need 3 sep tools?

Re: Need Recommendation - Credit Monitoring

Swapmeet — Fri, 31 Jan 2014 20:02:06 GMT

I know that you want all three Barry. I was asking wade if the one at the EQ site shows SPs from all three. I use credit check monitoring plus through usaa, but I will cancel that and follow wade to EQ if it shows SP from all 3 cra

Re: Need Recommendation - Credit Monitoring

takeshi74 — Fri, 31 Jan 2014 20:07:10 GMT

Have you taken a look at the CMS thread?

http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Monitoring-Service-CMS-Guide/td-p/662549

Re: Need Recommendation - Credit Monitoring

Transmogrifying_Bee — Sat, 01 Feb 2014 05:29:48 GMT

@BarryNTexas wrote:
Never used these services but I now want to add one for during my credit improvement/face lift period. Anyone have a good solid history and suggestion?

Thanks in Advance, BnTX

How about the FREE for One Year credit monitoring service currently being offered by Target, to help mitigate customer problems caused by their recent credit card security breach?

https://corporate.target.com/about/payment-card-issue/credit-monitoring-FAQ.aspx

They are offering Experian's ProtectMyID application. I have no opinion about how well this program compares with other providers such as Equifax. Still, worth investigating given its free price . . . ?

Re: Need Recommendation - Credit Monitoring

BarryNTexas — Sun, 02 Feb 2014 12:41:17 GMT

@Transmogrifying_Bee wrote:
@BarryNTexas wrote:
Never used these services but I now want to add one for during my credit improvement/face lift period. Anyone have a good solid history and suggestion?

Thanks in Advance, BnTX
How about the FREE for One Year credit monitoring service currently being offered by Target, to help mitigate customer problems caused by their recent credit card security breach?

https://corporate.target.com/about/payment-card-issue/credit-monitoring-FAQ.aspx

They are offering Experian's ProtectMyID application. I have no opinion about how well this program compares with other providers such as Equifax. Still, worth investigating given its free price . . . ?

Great suggestion! It's a great price and will be an additional tool for me to use the coming year.

Re: Need Recommendation - Credit Monitoring

Lechte — Sun, 02 Feb 2014 13:29:35 GMT

@takeshi74 wrote:
Have you taken a look at the CMS thread?
http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Monitoring-Service-CMS-Guide/td-p/662549

That's a little outdated. The OP is wanting to know if there is a CMS that lets you pull all 3 CR's daily. The one's in that thread that are listed as daily pullers are no longer daily pullers from my research. EliminateIDtheft.com is the only one I have heard of that lets you pull all 3 daily, and word is...that site has some issues with their EQ reports, and they don't give you your login info til a few days after you buy the product. ....if true, that's plum stupid.

Re: Need Recommendation - Credit Monitoring

BarryNTexas — Sun, 02 Feb 2014 13:52:13 GMT

@Lechte wrote:
@takeshi74 wrote:
Have you taken a look at the CMS thread?
http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Monitoring-Service-CMS-Guide/td-p/662549
That's a little outdated. The OP is wanting to know if there is a CMS that lets you pull all 3 CR's daily. The one's in that thread that are listed as daily pullers are no longer daily pullers from my research. EliminateIDtheft.com is the only one I have heard of that lets you pull all 3 daily, and word is...that site has some issues with their EQ reports, and they don't give you your login info til a few days after you buy the product. ....if true, that's plum stupid.

Thanks Lechte. I only use FAQs, forum posts, and everything else as a guide. I was actually soliciting real time real usage experiences from other posters here. I think I will got with the freebie from Target and a product from Trans Union or Equifax. I really don't need daily updates as I now think that's a bit OCD if you ask me. Appreciate the dialogue on this topic. -Barry

Re: Need Recommendation - Credit Monitoring

Swapmeet — Sun, 02 Feb 2014 21:19:13 GMT

I still want to know if there is a service that lets you pull at least twice per month, and shows who is SPing you.

Re: Need Recommendation - Credit Monitoring

Hcontreras — Sun, 02 Feb 2014 21:35:08 GMT

I've got the monitoring service from Equifax and love it. It sends me alerts for all activity for all three bureaus. I was paying $14.95 a month, but if you pay that initially, then call them by phone to cancel before the end of the month, they will ask you "can I ask you why you want to cancel?", then tell them it's too expensive. They will then offer you a $8.45 per month for all the same services. Just a little trick I've learned to get my "monthly monitoring" services fees down. I know Equifax gives you what they call a FAKO score, but as far as I'm concerned they are all FAKO (even this site), so what difference does it make??? .....I use the score more for a reference, but mostly use the service for the monitoring aspect than anything. Hope this helps.

Re: Need Recommendation - Credit Monitoring

Hcontreras — Sun, 02 Feb 2014 21:45:50 GMT

@Hcontreras wrote:
I've got the monitoring service from Equifax and love it. It sends me alerts for all activity for all three bureaus. I was paying $14.95 a month, but if you pay that initially, then call them by phone to cancel before the end of the month, they will ask you "can I ask you why you want to cancel?", then tell them it's too expensive. They will then offer you a $8.45 per month for all the same services. Just a little trick I've learned to get my "monthly monitoring" services fees down. I know Equifax gives you what they call a FAKO score, but as far as I'm concerned they are all FAKO (even this site), so what difference does it make??? .....I use the score more for a reference, but mostly use the service for the monitoring aspect than anything. Hope this helps.

Just to be clear on my comment above....This site says it's a FICO score that you get, and it's is.....I don't doubt that, but it's a scoring model that few lenders use, that why I say "they are all FAKO as far as I'm concerned". We are hard-pressed to find "the right" score that the actual lenders use...FICO or FAKO.

Re: Need Recommendation - Credit Monitoring

Lechte — Sun, 02 Feb 2014 21:51:03 GMT

@Hcontreras wrote:
@Hcontreras wrote:
I've got the monitoring service from Equifax and love it. It sends me alerts for all activity for all three bureaus. I was paying $14.95 a month, but if you pay that initially, then call them by phone to cancel before the end of the month, they will ask you "can I ask you why you want to cancel?", then tell them it's too expensive. They will then offer you a $8.45 per month for all the same services. Just a little trick I've learned to get my "monthly monitoring" services fees down. I know Equifax gives you what they call a FAKO score, but as far as I'm concerned they are all FAKO (even this site), so what difference does it make??? .....I use the score more for a reference, but mostly use the service for the monitoring aspect than anything. Hope this helps.
Just to be clear on my comment above....This site says it's a FICO score that you get, and it's is.....I don't doubt that, but it's a scoring model that few lenders use, that why I say "they are all FAKO as far as I'm concerned". We are hard-pressed to find "the right" score that the actual lenders use...FICO or FAKO.

I have the same frustration as you about this site and it's 90% lender used FICO score....but at least the EQ FICO here is correct, and i've seen where a few people had lenders pull the EX FICO that you can buy here. A small minority of lenders use the EX FICO here....it is the newest version, so hopefully with time, you'll see the majority of lenders using it. As for the TU...well, that's as good as me making up my own score.

Re: Need Recommendation - Credit Monitoring

-Wade- — Sun, 02 Feb 2014 22:58:00 GMT

@Swapmeet wrote:
@Wade64 wrote:
@BarryNTexas wrote:
Never used these services but I now want to add one for during my credit improvement/face lift period. Anyone have a good solid history and suggestion?

Thanks in Advance, BnTX
The one. I like the best is Equifax from their site ! EQ showes the SP's on your file .

For all 3 CRAs?

I just get EQ i don't know about the other 2 for the SP's.

Re: Need Recommendation - Credit Monitoring

-Wade- — Sun, 02 Feb 2014 23:15:42 GMT

@Hcontreras wrote:
I've got the monitoring service from Equifax and love it. It sends me alerts for all activity for all three bureaus. I was paying $14.95 a month, but if you pay that initially, then call them by phone to cancel before the end of the month, they will ask you "can I ask you why you want to cancel?", then tell them it's too expensive. They will then offer you a $8.45 per month for all the same services. Just a little trick I've learned to get my "monthly monitoring" services fees down. I know Equifax gives you what they call a FAKO score, but as far as I'm concerned they are all FAKO (even this site), so what difference does it make??? .....I use the score more for a reference, but mostly use the service for the monitoring aspect than anything. Hope this helps.

Hi Hcontreas..... can you give the phone # you called to get the $8.45 rate .........Thanks man

Re: Need Recommendation - Credit Monitoring

Hcontreras — Tue, 04 Feb 2014 06:11:08 GMT

@Wade64 wrote:
@Hcontreras wrote:
I've got the monitoring service from Equifax and love it. It sends me alerts for all activity for all three bureaus. I was paying $14.95 a month, but if you pay that initially, then call them by phone to cancel before the end of the month, they will ask you "can I ask you why you want to cancel?", then tell them it's too expensive. They will then offer you a $8.45 per month for all the same services. Just a little trick I've learned to get my "monthly monitoring" services fees down. I know Equifax gives you what they call a FAKO score, but as far as I'm concerned they are all FAKO (even this site), so what difference does it make??? .....I use the score more for a reference, but mostly use the service for the monitoring aspect than anything. Hope this helps.
Hi Hcontreas..... can you give the phone # you called to get the $8.45 rate .........Thanks man

1-866-429-2824