topic Re: What does everyone use for Monitoring and Daily Credit pulls in General Credit Topics

What does everyone use for Monitoring and Daily Credit pulls

waynes1982 — Fri, 09 Oct 2015 14:09:00 GMT

Hi All,

What does everyone use to monitor their credit reports and what services allow you to pull your credit report on a daily basis. I don't need credit scores, but I like to pull my credit report weekly and see what's changed and sometimes I pull daily.

I looked at the My Fico products but it looks like it's only quarterly reports but daily monitoring.

Thanks!

Re: What does everyone use for Monitoring and Daily Credit pulls

Anonymous — Fri, 09 Oct 2015 14:15:51 GMT

I use Credit Karma for the free TU and EQ reports...I think the updates are weekly and they're FAKO scores but the monitoring is daily.

Speaking of which...does anyone know a good site for EXP monitoring? I found a few older threads mention Credit.com and Credit Sesame but the former only shows numbers (no details) and the latter appears to have switched to TU

Re: What does everyone use for Monitoring and Daily Credit pulls

Anonymous — Fri, 09 Oct 2015 16:23:58 GMT

I want to say I read somewhere that Exp can only be pulled by a company, not by individuals.... Think I saw it somewhere here in the forums... Don't quote me on it though.

As for what I use, I use and LOVE CreditKarma!!!!! recommend them to everyone I come across. I also, as of yesterday, use Credit Sesame. Down side to them, only update monthly, as opposed to weekly via Credit Karma. CS also doesn't have as detailed info IMO. Will sign up for MyFico 3B monitoring soon for more accurate scores.

Re: What does everyone use for Monitoring and Daily Credit pulls

Anonymous — Fri, 09 Oct 2015 19:02:42 GMT

I don't see the benefit to paying for daily monitoring, so I just use credit karma for TU and EQ.

Re: What does everyone use for Monitoring and Daily Credit pulls

Anonymous — Fri, 09 Oct 2015 19:28:42 GMT

I had cct and now use experian credit tracker until I get a monthly fico from amex next spring. Ck for weekly reports. Fico04 eq from dcu checking and fico08 tu next spring on Discover so, ck for weekly reports is plenty. If ficos are needed, I can buy them from here.

Re: What does everyone use for Monitoring and Daily Credit pulls

Anonymous — Fri, 09 Oct 2015 21:59:27 GMT

You have to pay for EXP credit tracker though, yes? I was hoping to find a free report for EXP since CK gives me the other two...Credit.com gives some information but not quite as much as I'd like (ex. lists # of HP but not who made the pull or the month of each pull). I guess I'm being greedy but considering how a lot of CCC's use EXP it'd be very helpful!

Re: What does everyone use for Monitoring and Daily Credit pulls

Anonymous — Sat, 10 Oct 2015 00:08:21 GMT

A cost free solution that a few people have alluded to so far is Karma (TU and EQ, weekly reports and V-scores) and Credit.com (EX, V-score and a monitoring utility that gives you a summary of your report data).

If you marry that with a once-a-year one-month subscription at MyFICO for all your scores, that enables you to periodically baseline your Vantage against FICO. That's all I do and I am a credit score junkie. (I also have a free EX Fico through a couple credit cards and an EQ FICO through Citibank.)

Depending on what state you live in, you may be entitled to up to three free EX reports a year. (Also TU and EQ but Karma renders that unnecessary.)

Re: What does everyone use for Monitoring and Daily Credit pulls

JagerBombs89 — Sat, 10 Oct 2015 09:42:55 GMT

Is this a social engineering experiment?!

Re: What does everyone use for Monitoring and Daily Credit pulls

Anonymous — Sat, 10 Oct 2015 17:44:41 GMT

I'm rebuilding so I currently use cct but I'm not sure if I will continue. I also use creditkarma, credit sesame, credit.com, and quizzle for fako scores just because I'm obsessed.

Re: What does everyone use for Monitoring and Daily Credit pulls

LadyJEsq — Sun, 11 Oct 2015 02:17:39 GMT

I use Identity Guard for $10 a month through Costco. While the CR/CS (FAKO) only update monthly, they do send out alert emails if there is a change to your report. They also do other monitoring, and are supposed to help with the cost/time in the case of identity theft. Not bad for $10 if you ask me.

Re: What does everyone use for Monitoring and Daily Credit pulls

Anonymous — Sun, 11 Oct 2015 17:55:13 GMT

I use credit karma and credit.com and sometimes the one from my capital one journey card. I use credit karma the most since they update it weekly and have more accurate scores and reports than the other 2. CK offers reports, credit recommendations, track spending, and a credit score simulator. I haven't tried Credit Sesame but I will very soon just to see what they say about my score. I know that they're app is horrendous.

Re: What does everyone use for Monitoring and Daily Credit pulls

Anonymous — Sun, 11 Oct 2015 18:25:29 GMT

Hey SM99. You should find that your score from Sesame is identical to your TU score from Karma (assuming you generate your Karma score on the same day as your Sesame score is generated).

Both Sesame and Karma use Vantage 3.0, and Sesame draws from TU.

Re: What does everyone use for Monitoring and Daily Credit pulls

darkfrosty — Sun, 11 Oct 2015 20:54:57 GMT

Does credit karma show soft pulls ?? Currently I only use Myfico 3B monitoring .. but I would like to be notified of soft pulls

Re: What does everyone use for Monitoring and Daily Credit pulls

Anonymous — Sun, 11 Oct 2015 21:18:40 GMT

@darkfrosty wrote:
Does credit karma show soft pulls ?? Currently I only use Myfico 3B monitoring .. but I would like to be notified of soft pulls

No, I believe they only display hard inquires. Soft inquires don't affect credit scores a whole lot so they tend to leave those out.

Re: What does everyone use for Monitoring and Daily Credit pulls

darkfrosty — Sun, 11 Oct 2015 21:21:03 GMT

yes but a lot of people on here are able to see when a CU does their monthly AR etc .. which is a soft pull

Re: What does everyone use for Monitoring and Daily Credit pulls

Anonymous — Sun, 11 Oct 2015 21:57:47 GMT

@darkfrosty wrote:
yes but a lot of people on here are able to see when a CU does their monthly AR etc .. which is a soft pull

Do they view it on Credit Karma?

Re: What does everyone use for Monitoring and Daily Credit pulls

darkfrosty — Sun, 11 Oct 2015 22:42:45 GMT

either credit karma or sesame .. so i was curious for people who use either or