topic Re: Credit Monitoring in Rebuilding Your Credit

Credit Monitoring

fuzzybean — Thu, 20 Sep 2012 17:53:50 GMT

What credit monitoring sites allow for daily pulls that are actually updated daily?

Re: Credit Monitoring

madmann26 — Thu, 20 Sep 2012 17:57:26 GMT

I am a EQ Premier member. If anything changes, at anytime during the day. I get an email/text message/etc. about it. In the last couple of weeks, I have pulled mine daily to track when certain things are pulled off or updated.

Re: Credit Monitoring

fuzzybean — Thu, 20 Sep 2012 18:04:57 GMT

@madmann26 wrote:
I am a EQ Premier member. If anything changes, at anytime during the day. I get an email/text message/etc. about it. In the last couple of weeks, I have pulled mine daily to track when certain things are pulled off or updated.

Is it just pulling from EQ or all three CRA?

Re: Credit Monitoring

madmann26 — Thu, 20 Sep 2012 18:06:24 GMT

EQ only. But it's pretty much like that with any monitoring service. myFico monitors EQ, with TU as an optional pull for a discounted price. Same with EQ direct.

Re: Credit Monitoring

novabama — Thu, 20 Sep 2012 18:07:14 GMT

@madmann26 wrote:
I am a EQ Premier member. If anything changes, at anytime during the day. I get an email/text message/etc. about it. In the last couple of weeks, I have pulled mine daily to track when certain things are pulled off or updated.

+1 I have that too. Well... I am still in the 30 day free trial. I'm diggin it! I will probably keep it since most of my baddies are on EQ and I love the daily pulls and easy to navigate.

I also have eliminateidtheft... but they aren't as accurate it seems. I am cancelling it after just one month. Not worth the money. The only reason I got was because it has 3 in 1 side by side reporting. However, it's messy looking and doesn't always match as the names differ. There's def a lag too.

My 2 pennies.

Re: Credit Monitoring

fuzzybean — Thu, 20 Sep 2012 18:09:40 GMT

@novabama wrote:
@madmann26 wrote:
I am a EQ Premier member. If anything changes, at anytime during the day. I get an email/text message/etc. about it. In the last couple of weeks, I have pulled mine daily to track when certain things are pulled off or updated.

+1 I have that too. Well... I am still in the 30 day free trial. I'm diggin it! I will probably keep it since most of my baddies are on EQ and I love the daily pulls and easy to navigate.

I also have eliminateidtheft... but they aren't as accurate it seems. I am cancelling it after just one month. Not worth the money. The only reason I got was because it has 3 in 1 side by side reporting. However, it's messy looking and doesn't always match as the names differ. There's def a lag too.

My 2 pennies.

I have eliminate ID theft, too and was just talking to hubby about changing. There is definitely a lag, which I don't like. I thought the $17.95 for both me and my husband was a good deal. I do like the 3 in one side by side, though. Is there one like that with daily pulls?

Re: Credit Monitoring

madmann26 — Thu, 20 Sep 2012 18:11:21 GMT

Not to my knowledge. If you want a 3-in-1, you'll get it at a discounted rate, which for EQ, is $29.95.

Re: Credit Monitoring

novabama — Thu, 20 Sep 2012 18:14:16 GMT

Not anymore. USAA had one but they cancelled their daily pulls recently. AMEX has one as well I think (rumored on these boards somewhere), but I think you have to have an amex card.

I wish there were one! How are we supposed to pay off debt if we're shelling out all our pennies for reports and scores?! Haha

If you DO find one, let us know!

Re: Credit Monitoring

fuzzybean — Thu, 20 Sep 2012 18:14:23 GMT

That stinks! Maybe I'll give the EQ a try...

Re: Credit Monitoring

novabama — Thu, 20 Sep 2012 18:15:34 GMT

It's worth the free trial and I think the money too if you're rebuilding. Good luck!

Re: Credit Monitoring

fuzzybean — Thu, 20 Sep 2012 18:20:40 GMT

@madmann26 wrote:
EQ only. But it's pretty much like that with any monitoring service. myFico monitors EQ, with TU as an optional pull for a discounted price. Same with EQ direct.

Do you have a link for this one? I'm looking, but can't find it.

Re: Credit Monitoring

madmann26 — Thu, 20 Sep 2012 18:25:02 GMT

http://www.equifax.com/premier/

Re: Credit Monitoring

fuzzybean — Thu, 20 Sep 2012 18:25:37 GMT

Thank you very much!

Re: Credit Monitoring

novabama — Thu, 20 Sep 2012 18:26:32 GMT

This might get you to the same place but explains what you get http://www.equifax.com/freetrial/

Re: Credit Monitoring

fuzzybean — Thu, 20 Sep 2012 18:27:07 GMT

@madmann26 wrote:
http://www.equifax.com/premier/

I don't see an option to add TU at an extra cost...or at all.

Re: Credit Monitoring

novabama — Thu, 20 Sep 2012 18:31:55 GMT

did you see the link I sent? that should work for you. fair warning though, my scores there are lower than myfico. also, you don't enter ANY payment info. that's a good part!

Re: Credit Monitoring

madmann26 — Thu, 20 Sep 2012 18:33:48 GMT

Nope, you won't. Once you create an account and login, you'll have an option to purchase a 3-in-one at a discounted rate.

Re: Credit Monitoring

fuzzybean — Thu, 20 Sep 2012 18:36:48 GMT

@novabama wrote:
did you see the link I sent? that should work for you. fair warning though, my scores there are lower than myfico. also, you don't enter ANY payment info. that's a good part!

Looking now...

Re: Credit Monitoring

fuzzybean — Thu, 20 Sep 2012 18:39:30 GMT

@novabama wrote:
did you see the link I sent? that should work for you. fair warning though, my scores there are lower than myfico. also, you don't enter ANY payment info. that's a good part!

It's asking for payment info for the free trial.

Re: Credit Monitoring

fuzzybean — Thu, 20 Sep 2012 18:41:17 GMT

@madmann26 wrote:
I am a EQ Premier member. If anything changes, at anytime during the day. I get an email/text message/etc. about it. In the last couple of weeks, I have pulled mine daily to track when certain things are pulled off or updated.

Does it report good stuff, too? Or things that could potentially harm your score?