topic Re: Monitoring TU in General Credit Topics

Monitoring TU

NoAnchoviesPlease — Mon, 12 May 2014 03:44:12 GMT

I hope this is an okay question to ask...

I've used Equifax monitoring service to track updates in my CR over the course of a month. It's now updated but I'm wanting to monitor TU about the same way, for a short period of time (3 months or less). The idea is to track some discrepancy updates more often/more quickly than the alerts from the free services or EQ allow.

Is TU's 7-day trial + monthly plan the best way to do it? Are there other viable options that I'm not finding (i.e. upgrades from CK/CS)?

Re: Monitoring TU

MidnightJester — Mon, 12 May 2014 05:40:01 GMT

Credit Karma tracks TU updates I think. Their score is a TU FAKO but it is a good way to track major TL updates and inquires.

Re: Monitoring TU

Revelate — Mon, 12 May 2014 06:01:18 GMT

@MidnightJester wrote:
Credit Karma tracks TU updates I think. Their score is a TU FAKO but it is a good way to track major TL updates and inquires.

This is what I do personally. I've found their free monitoring service to be pretty good even without considering the non-existent price.

Re: Monitoring TU

takeshi74 — Mon, 12 May 2014 13:38:10 GMT

@NoAnchoviesPlease wrote:

Is TU's 7-day trial + monthly plan the best way to do it? Are there other viable options that I'm not finding (i.e. upgrades from CK/CS)?

Best is always subjective so you need to specify exactly what you mean to get suggestions. So far we know you want more than just the weekly updates that CK offers. What about cost? Any other criteria? Have you looked at the CMS thread? It's full of options.

Re: Monitoring TU

NoAnchoviesPlease — Mon, 12 May 2014 15:38:20 GMT

@takeshi74 wrote:
@NoAnchoviesPlease wrote:

Is TU's 7-day trial + monthly plan the best way to do it? Are there other viable options that I'm not finding (i.e. upgrades from CK/CS)?
Best is always subjective so you need to specify exactly what you mean to get suggestions. So far we know you want more than just the weekly updates that CK offers. What about cost? Any other criteria? Have you looked at the CMS thread? It's full of options.

Well, tracking more often than the weekly/monthly that the free services allow, and more like the daily report/score updates included with Equifax's monitoring product (I'd mentioned both of these druthers in my original post).

@Revelate wrote:
@MidnightJester wrote:
Credit Karma tracks TU updates I think. Their score is a TU FAKO but it is a good way to track major TL updates and inquires.
This is what I do personally. I've found their free monitoring service to be pretty good even without considering the non-existent price.

Yeah, that seems like the right way to go. They update scores weekly I believe, but I haven't seen any midweek updates/activity as I *sometimes* do on other services. .

Re: Monitoring TU

Revelate — Mon, 12 May 2014 17:16:31 GMT

@NoAnchoviesPlease wrote:
@takeshi74 wrote:
@NoAnchoviesPlease wrote:

Is TU's 7-day trial + monthly plan the best way to do it? Are there other viable options that I'm not finding (i.e. upgrades from CK/CS)?
Best is always subjective so you need to specify exactly what you mean to get suggestions. So far we know you want more than just the weekly updates that CK offers. What about cost? Any other criteria? Have you looked at the CMS thread? It's full of options.
Well, tracking more often than the weekly/monthly that the free services allow, and more like the daily report/score updates included with Equifax's monitoring product (I'd mentioned both of these druthers in my original post).

@Revelate wrote:
@MidnightJester wrote:
Credit Karma tracks TU updates I think. Their score is a TU FAKO but it is a good way to track major TL updates and inquires.
This is what I do personally. I've found their free monitoring service to be pretty good even without considering the non-existent price.

Yeah, that seems like the right way to go. They update scores weekly I believe, but I haven't seen any midweek updates/activity as I *sometimes* do on other services. .

Get a busier report!

Last update: 05/09/14

Alert: 05/08/14 - Inquiry

Alert: 05/08/14 - Balance Decrease

It doesn't track 1:1 for me, but TU appears to suck for updating tradelines for whatever reason. In general I couldn't care less if I get the monitoring immediately (even the laudable Scorewatch doesn't do that in my experience, there's still a delay albeit less than CK) I just need it for monitoring my report to confirm that things are as I expect.

Funny story I found out that my albatross fell off my report from CK by seeing that the number of public records went from 3 to 2 rather than SW or anything else .

Re: Monitoring TU

NoAnchoviesPlease — Mon, 12 May 2014 20:56:52 GMT

@Revelate wrote:
@NoAnchoviesPlease wrote:

Yeah, that seems like the right way to go. They update scores weekly I believe, but I haven't seen any midweek updates/activity as I *sometimes* do on other services. .
Get a busier report!

Last update: 05/09/14
Alert: 05/08/14 - Inquiry
Alert: 05/08/14 - Balance Decrease

It doesn't track 1:1 for me, but TU appears to suck for updating tradelines for whatever reason. In general I couldn't care less if I get the monitoring immediately (even the laudable Scorewatch doesn't do that in my experience, there's still a delay albeit less than CK) I just need it for monitoring my report to confirm that things are as I expect.

Funny story I found out that my albatross fell off my report from CK by seeing that the number of public records went from 3 to 2 rather than SW or anything else .

I'm working on a bit of busy and then a nice quiet summer in theory.

I've found in the last month or two that EQ's monitoring didn't report substantial balance changes (i.e. 99% reduction) or new accounts consistently. The accounts showed up on the reports...

And I'm still waiting for the TU updates before doing a mini-AOR. That reduction from 50% util to 13% util makes a difference, I hear. And while my best score is already updated, it's also the one that has the most appearances on my AOR wish list. So while I'm thinking about three cards to replace some old snails-pace cards, three of the six on my wish list are EX. Two are EQ, one is TU, and two seem to have a lot of TU as a second possibility. So better patient and safe than rushed and sorry, in theory.

Re: Monitoring TU

NoAnchoviesPlease — Wed, 14 May 2014 01:17:50 GMT

So oddly enough, neither TU Credit Monitoring nor CK show the updates from end of last week.

CK is eligible for a score update in a couple of days so maybe it will pick up then. But I updated TU Credit Monitoring this afternoon and it's still not there either.

I'm trying to be patient.

Re: Monitoring TU

Revelate — Wed, 14 May 2014 06:29:49 GMT

@NoAnchoviesPlease wrote:
So oddly enough, neither TU Credit Monitoring nor CK show the updates from end of last week.

CK is eligible for a score update in a couple of days so maybe it will pick up then. But I updated TU Credit Monitoring this afternoon and it's still not there either.

I'm trying to be patient.

TU is anecdotally the slowest bureau to update for tons of people on this forum. Can't say I'm surprised senor.

Re: Monitoring TU

NoAnchoviesPlease — Wed, 14 May 2014 07:36:32 GMT

@Revelate wrote:

TU is anecdotally the slowest bureau to update for tons of people on this forum. Can't say I'm surprised senor.

Yup, probably just that it's the first time I've ever noticed or cared, adding my data point (or datum point I guess).

Re: Monitoring TU

NoAnchoviesPlease — Thu, 15 May 2014 13:48:42 GMT

Well, got my first weekly CK update and TU seems to have finally updated, a week after the other CRAs.

Gained 84 points on Vantage and 42 points on TU New Account score. Will have to find my TU FICO but I'm not in as much of a hurry to pay for it now.

Re: Monitoring TU

mongstradamus — Thu, 15 May 2014 14:27:44 GMT

@NoAnchoviesPlease wrote:
Well, got my first weekly CK update and TU seems to have finally updated, a week after the other CRAs.

Gained 84 points on Vantage and 42 points on TU New Account score. Will have to find my TU FICO but I'm not in as much of a hurry to pay for it now.

Don't think you can buy TU fico anywhere. Most people just get it from various cards Barclay,discover,Walmart etc

Re: Monitoring TU

NoAnchoviesPlease — Thu, 15 May 2014 14:29:01 GMT

@mongstradamus wrote:
@NoAnchoviesPlease wrote:
Well, got my first weekly CK update and TU seems to have finally updated, a week after the other CRAs.

Gained 84 points on Vantage and 42 points on TU New Account score. Will have to find my TU FICO but I'm not in as much of a hurry to pay for it now.
Don't think you can buy TU fico anywhere. Most people just get it from various cards Barclay,discover,Walmart etc

I had acquired an earlier TU FICO and report here on MyFICO, but I can probably wait for my Discover card to get scores.

Re: Monitoring TU

mongstradamus — Thu, 15 May 2014 14:34:01 GMT

@NoAnchoviesPlease wrote:
@mongstradamus wrote:
@NoAnchoviesPlease wrote:
Well, got my first weekly CK update and TU seems to have finally updated, a week after the other CRAs.

Gained 84 points on Vantage and 42 points on TU New Account score. Will have to find my TU FICO but I'm not in as much of a hurry to pay for it now.
Don't think you can buy TU fico anywhere. Most people just get it from various cards Barclay,discover,Walmart etc
I had acquired an earlier TU FICO and report here on MyFICO, but I can probably wait for my Discover card to get scores.

Sorry wasn't clear,you can buy tu98 here but I don't think many lenders use it so not worth it IMO. That's why I like having tu08 from Walmart and discover

Re: Monitoring TU

NoAnchoviesPlease — Thu, 15 May 2014 16:24:02 GMT

@mongstradamus wrote:
Sorry wasn't clear,you can buy tu98 here but I don't think many lenders use it so not worth it IMO. That's why I like having tu08 from Walmart and discover

That makes sense. I try to treat the scores as relative, you know, +/- 200 or so But good to know that Discover will give a more useful number for my next AOR.