topic Re: Best Monitoring Service ? in General Credit Topics

Best Monitoring Service ?

n777ua — Mon, 25 Jul 2016 02:49:39 GMT

I'm looking for a service that provides daily pulls for all 3 bureaus. Does such a service still exist; I can't seem to find one. I used to use USAA but it doesn't appear they do any longer.

Re: Best Monitoring Service ?

darwin_wins — Mon, 25 Jul 2016 03:00:27 GMT

Nope. No service that pulls all 3 exists

Re: Best Monitoring Service ?

n777ua — Mon, 25 Jul 2016 03:05:43 GMT

What would you consider the "best" ?

Re: Best Monitoring Service ?

Anonymous — Mon, 25 Jul 2016 12:46:26 GMT

"Besy" is such a can of worms isn't it.....

and 'daily pulls'.....are you asking who actually pulls a SCORE daily?

1) There isn't a 'need' to pull a score everyday .....

monitoring for CHANGES, is all that is really required or relevant

and many will do that.

2) Remember scores aren't kept IN FILES...they are generated as a result of a credit pull.

Monitoring for changes is all that actually of note the score doesn't appear or even get calculate untill

a fresh pull is done, which around and around isn't done untill something changes or a request for scoring is instituted.

Re: Best Monitoring Service ?

Anonymous — Mon, 25 Jul 2016 15:01:18 GMT

@n777ua wrote:
I'm looking for a service that provides daily pulls for all 3 bureaus. Does such a service still exist; I can't seem to find one. I used to use USAA but it doesn't appear they do any longer.

Nope, and you don't want one. Excessive soft pulls can cause problems in their databases in accessing your file. I was backdooring all three for weeks and then couldn't pull anything without an error, not even my monitoring sites could pull my report! It took them like a month to fix it.

Re: Best Monitoring Service ?

n777ua — Tue, 26 Jul 2016 05:03:08 GMT

Thanks everyone

If you had to sign up for one now; what would it be ?

Re: Best Monitoring Service ?

Anonymous — Tue, 26 Jul 2016 07:56:33 GMT

Credit check total. Do the 7 day trial, once that is up call them, cancel it and ask for a discount they should offer you 14.95 a month for a year or more.

Re: Best Monitoring Service ?

takeshi74 — Thu, 28 Jul 2016 14:44:20 GMT

AFAIK Eliminate ID Theft was still offering pulls every 24 hours. Scores are FAKO's though I don't recall which specific model.

@Anonymous wrote:
There isn't a 'need' to pull a score everyday .....
monitoring for CHANGES, is all that is really required or relevant
and many will do that.

That's for the individual to determine. Monitoring for changes is just one approach. It is not a one-size-fits-all solution.

@n777ua wrote:
What would you consider the "best" ?

The OP said that daily pulls are needed/wanted.

@n777ua wrote:
If you had to sign up for one now; what would it be ?

You can't just poll. Determine your specific needs/wants. Use that to select a service that suits you best.

I wouldn't sign up for any of them though I do look at report data provided by CK for TU and EQ.

Re: Best Monitoring Service ?

Anonymous — Fri, 29 Jul 2016 12:24:06 GMT

Weekly pulls from CCT for 50 cents. 4 pulls per month for 2 bucks. IMO that can't be beat.

Re: Best Monitoring Service ?

Anonymous — Fri, 29 Jul 2016 14:36:23 GMT

@Anonymous wrote:
Weekly pulls from CCT for 50 cents. 4 pulls per month for 2 bucks. IMO that can't be beat.

I've never came across an option to get weekly pulls through CCT. Where did you find that?

Initially, I paid $29.99 per month until they knocked it down to $14.99 a month for me. I know that they update my EXP score daily, but don't show me my other 2 scores until I run the monthly report.

Re: Best Monitoring Service ?

Anonymous — Fri, 29 Jul 2016 15:18:49 GMT

It's just their $1 free trial membership. You get 3B pulls the day you sign up. Cancel 4 or 5 days in or up to 7 days in. Then you can pull your 3B reports again on the 8th-10th day (your choice) which means you can pull them every week for $2/mo using this method.

From what I understand, even with a "real" CCT membership (that costs a lot more than 2 bucks a month) one can't even pull their 3B scores weekly.

Re: Best Monitoring Service ?

Anonymous — Mon, 01 Aug 2016 20:00:46 GMT

@Anonymous wrote:
It's just their $1 free trial membership. You get 3B pulls the day you sign up. Cancel 4 or 5 days in or up to 7 days in. Then you can pull your 3B reports again on the 8th-10th day (your choice) which means you can pull them every week for $2/mo using this method.

From what I understand, even with a "real" CCT membership (that costs a lot more than 2 bucks a month) one can't even pull their 3B scores weekly.

That's an interesting work-around. You're correct in saying that with the "real" membership, you can't pull 3B scores weekly; once a month is it.

Re: Best Monitoring Service ?

Anonymous — Mon, 01 Aug 2016 21:17:53 GMT

Right, which I find ridiculous. You spend 7X-8X more on a "real" membership but get to pull your scores 1/4 as much? For me, that simply doesn't make any logical sense.