topic Re: what's a good 3 bureau monitoring service??? in General Credit Topics

what's a good 3 bureau monitoring service???

waynes1982 — Sat, 27 Jun 2015 09:04:00 GMT

Morning All,

Whats a good 4 bureau monitoring services that gives you access to your scores, and allows you to view your three credit reports on a daily basis? I have USAA Credit Monitoring premium, and it's changing and will only allow me to pull my report once a month starting in 45 days. I like to pull it daily to see what's been updated, what my utilization is, and if there's been and changes at all.

Can anyone recommend a product for me? I was looking at the myFICO 3-bureau report for $24.95, and thats what I currently pay and would like to stay in that price range as well.

Thanks for the help.

Re: what's a good 3 bureau monitoring service???

Anonymous — Sat, 27 Jun 2015 23:24:22 GMT

Not sure about every day in that price range.

CreditCheckTotal gives an EX report and score daily. TU and EQ scores and reports 3 times a month. It's $29.95/month, but if you call to cancel within your 7-day trial they will give it to you for $14.97/month.

Re: what's a good 3 bureau monitoring service???

Pway — Sat, 27 Jun 2015 23:29:39 GMT

I agree Credit Check Total is excellent. I had the 7 day trial and I continued the membership and I got the 14.97 as well. They are giving your true fico scores.

Re: what's a good 3 bureau monitoring service???

Anonymous — Sun, 28 Jun 2015 12:04:21 GMT

@Pway wrote:
I agree Credit Check Total is excellent. I had the 7 day trial and I continued the membership and I got the 14.97 as well. They are giving your true fico scores.

Is that it? just call within 7 days when you try to cancel they will make you an offer? is it just for 1 month or every month 14.95?

Re: what's a good 3 bureau monitoring service???

EW800 — Sun, 28 Jun 2015 12:52:24 GMT

@Anonymous wrote:
@Pway wrote:
I agree Credit Check Total is excellent. I had the 7 day trial and I continued the membership and I got the 14.97 as well. They are giving your true fico scores.

Is that it? just call within 7 days when you try to cancel they will make you an offer? is it just for 1 month or every month 14.95?

Many people have reported that they are offered the $14.97 deal for two years when calling to cancel. I went about it slightly different. I called when I was about 4 or 5 days into the 7 day trial period, explained that I really liked the product, but thought that $30/mo was too high. Immediately, the rep that I spoke to stated that she could lower it to $14.97/mo for two years. It appears it is simply there for the asking. The rep also stated that it is likely that after the two years there would be other discounts available, but obviously could not guarantee it.

I like what I see with CreditCheck Total so far. I am receiving alerts, Experian updates each day, as well as the ability to have a 3-bureau report with FICO 8 scores, three times a month. Appears to be a very good deal. The only thing I have not figured out yet is if any unused 3B reports carryover to the following month, or if we lose them.

Re: what's a good 3 bureau monitoring service???

Anonymous — Sun, 28 Jun 2015 13:42:08 GMT

Eliminate ID Theft gives you daily pulls on all 3 bureaus for $12.95/month. They give you scores, but they are FAKOs.

Re: what's a good 3 bureau monitoring service???

Anonymous — Mon, 29 Jun 2015 10:59:42 GMT

@Anonymous wrote:
@Pway wrote:
I agree Credit Check Total is excellent. I had the 7 day trial and I continued the membership and I got the 14.97 as well. They are giving your true fico scores.

Is that it? just call within 7 days when you try to cancel they will make you an offer? is it just for 1 month or every month 14.95?

The offer is good for that price for the next 2 years and you can cancel any time.

Re: what's a good 3 bureau monitoring service???

takeshi74 — Mon, 29 Jun 2015 12:07:00 GMT

@Pway wrote:
They are giving your true fico scores.

Note that CreditCheck Total provides FICO 8 scores. While FICO 8 is a FICO it is not the only "true" FICO. As always, make sure you're considering the specific scoring model. Creditors use a number of FICO models. See also the Understanding FICO Scoring subforum and its stickies.

@waynes1982 wrote:
Whats a good 4 bureau monitoring services

I'm not sure any of the ones mentioned montor 4. They do, however, monitor the big 3.

Re: what's a good 3 bureau monitoring service???

ddemari — Thu, 02 Jul 2015 17:18:00 GMT

usaa credit monitoring is basically the same as amex credit secure except usaa sent me an email the other day saying they are lowing the price to 12.95.

Re: what's a good 3 bureau monitoring service???

Anonymous — Sun, 05 Jul 2015 19:10:13 GMT

I use multiple services:

Capital One = Transunion
Credit Karma = Equifax & Transunion
Credit Sesame = Experian
Discover = Fico
Walmart = Fico

ID Guard = All 3 (TU, EQ and EX)

Identity Guard is the only one I pay for. Im on some weird plan that is $16 per month with all three scores updated monthly but they have a ton of different options. I think costco members get it free or something. I signed up for the basic plan and then called every 60 days or so and said I wanted to cancel because it was too expensive. They kept lowering the price and offering different things.

Re: what's a good 3 bureau monitoring service???

Anonymous — Fri, 24 Jul 2015 22:43:40 GMT

I've been checking out CreditCheck Total as well and it seems great thus far. I will have to call about the better monthly rate though!