topic Re: Credit Monitoring while rebuilding in Rebuilding Your Credit

Credit Monitoring while rebuilding

AcidKoolz — Sun, 15 Jul 2012 15:32:43 GMT

Not sure if this has been asked yet or not, I couldn't find it. If it has, please point me in that direction.

What is the best product or combo of products to use for monitoring while rebuilding? I think it would be best to have something that monitors reports and FICO scores and emails or text messages for changes for all 3 bureaus. I know you can only get the FICO score for two, but maybe something along these lines. I would like an updated score and report each time something big changes, or is this too much? Does anything provide monitoring for when something is deleted?

Re: Credit Monitoring while rebuilding

Anonymous — Sun, 15 Jul 2012 15:40:02 GMT

Not true FICO scores but no one has a product that touches USAA's service, dollar for dollar.

Re: Credit Monitoring while rebuilding

rckstrscott — Sun, 15 Jul 2012 15:40:27 GMT

@AcidKoolz wrote:
Not sure if this has been asked yet or not, I couldn't find it. If it has, please point me in that direction.

What is the best product or combo of products to use for monitoring while rebuilding? I think it would be best to have something that monitors reports and FICO scores and emails or text messages for changes for all 3 bureaus. I know you can only get the FICO score for two, but maybe something along these lines. I would like an updated score and report each time something big changes, or is this too much? Does anything provide monitoring for when something is deleted?

Unfortunately what you are looking for doesn't really exist -- although you could probably combo something. I use EliminateIDTheft.com -- 17 dollars and I get pulls from all three bureaus daily.

You really should go to this thread:

http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Monitoring-Service-CMS-Guide/m-p/662549/highlight/true#M141373

It has all the info you could possibly need about all the services...

-scott

Re: Credit Monitoring while rebuilding

AcidKoolz — Sun, 15 Jul 2012 15:44:11 GMT

Thanks guys, sorry I guess I'm blind and overlooked that thread!

Re: Credit Monitoring while rebuilding

ceejx — Sun, 15 Jul 2012 17:40:40 GMT

@Anonymous wrote:
Not true FICO scores but no one has a product that touches USAA's service, dollar for dollar.

+1 USAA is Experian's service, even the product looks similar, but cheaper and does all 3 for $12.95 .. can't beat it ...

Re: Credit Monitoring while rebuilding

Anonymous — Tue, 17 Jul 2012 18:53:36 GMT

If you've been a member of USAA CCMP for 6 months or more, call them (1-866-751-1320) and ask for a discount, they'll usually reduce the premium from $12.95/mo. to $6.12/mo. for a year. Be nice though.

Re: Credit Monitoring while rebuilding

marty56 — Wed, 18 Jul 2012 08:29:53 GMT

True Credit. They provide FAKO scores but they are cheap, show date reported and good alerts.

Re: Credit Monitoring while rebuilding

rckstrscott — Wed, 18 Jul 2012 10:20:19 GMT

@marty56 wrote:
True Credit. They provide FAKO scores but they are cheap, show date reported and good alerts.

I will say; although I switched to EliminateIDTheft because of its three report daily pulls, I used True Credit for over 3 years, no complaints. Thought it was great.

-scott