topic Re: Question about tracking updates to your file in Rebuilding Your Credit

Question about tracking updates to your file

Jutz — Mon, 10 Dec 2012 16:07:10 GMT

What is the best way to track when changes, especially deletions are made to your file? I'm pretty confused right now. I'm having a total of 3 collections removed from TU and EQ, and 2 from EX. I want to see when these are removed, but that has proved more difficult than I thought.

EQ has that way of getting a fresh file anytime you prepare for an online dispute, so that one was easy.

EX I can't find a way to update without paying for a report from someone. Credit Sesame only updates once a month and really have collection info unless you buy a "report" anyway

TU Has QM, which is apparently pointless, since it has never sent me an alert, even for a new inquiry from GE and subsequent new account. CreditKarma updates all the time, but the account info might not be accurate? My issue is that CK updated again yesterday to add another 18 points, when I logged in it doesn't show any collections listed (As it shouldn't once all the deletions are done) however, I purchased another TU report from MyFico, and there was still 1 collection listed. So now I don't know what to believe. Is it possible CK is ahead of MyFico? I wouldn't be too happy if I purchased an out of date report from here.

TL;DR What's the best way to track updates, especially deletions, without paying a ton of money.

Re: Question about tracking updates to your file

electra — Mon, 10 Dec 2012 16:19:08 GMT

I don't know and would like to know as well. * subscribe*

Re: Question about tracking updates to your file

llecs — Mon, 10 Dec 2012 16:22:05 GMT

IME, a 3-in-1 daily puller CMS worked the best. I can access all 3 reports whenever I wanted.

Re: Question about tracking updates to your file

Jutz — Mon, 10 Dec 2012 16:30:52 GMT

Does a daily puller even exist any more though? I know USAA even ended theirs

Re: Question about tracking updates to your file

llecs — Mon, 10 Dec 2012 17:54:21 GMT

USAA still has an option I believe, though at an added cost. Amex's CS and EIDT still offer a daily puller. SmartCredit has an option for a daily puller, though it takes some work and effort.

Re: Question about tracking updates to your file

Jutz — Mon, 10 Dec 2012 18:16:07 GMT

USAA only lists a 3x a month option. I've heard some say you can call and they can grandfather you in still, not sure if anyone has done that in awhile?

AMEX says only 2x a month, and I can't find any info on EIDT.

I think I'm going to cancel QM, it literally has done nothing for me, and for the $15 per 30 days, I can just purchase a TU report and score for the same price anyway.

Re: Question about tracking updates to your file

llecs — Mon, 10 Dec 2012 18:21:51 GMT

Eliminate ID Theft offers a daily 3-in-1:

http://www.eliminateidtheft.com/

CreditSecure via Amex offers an Unlimited option:

https://www295.americanexpress.com/premium/credit-secure-unlimited/home.do

Re: Question about tracking updates to your file

llecs — Mon, 10 Dec 2012 18:24:56 GMT

I'm still checking USAA. I haven't updated the entire CMS Guide since USAA did what they did.

Another option is AlertPlus offered via Experian. That's a daily 3-in-1, still, I think, but you have to have a Merrill Lynch CC.

Re: Question about tracking updates to your file

Jutz — Mon, 10 Dec 2012 18:27:33 GMT

Thanks llecs

I also set QM to not renew for the next quarter. I see no sense in paying for a TU score every 3 months when I get it free from Walmart, especially if it's not going to report changes timely and accurately.

Re: Question about tracking updates to your file

Jutz — Mon, 10 Dec 2012 18:30:30 GMT

EIDT looks pretty good, 13 bucks a month for unlmited 3in1 pulls, if I'm interpreting the website correctly.

Re: Question about tracking updates to your file

llecs — Mon, 10 Dec 2012 18:33:47 GMT

@Jutz wrote:
EIDT looks pretty good, 13 bucks a month for unlmited 3in1 pulls, if I'm interpreting the website correctly.

Sounds right. I had them and cancelled about a year ago or so. I just didn't have a need to monitor daily like I did when I was rebuilding. The report format looks like the old TrueCredit if you had them. Downsides include tooooo many windows just to log on (you have to sign into 3 windows just to gain access to your reports) and once you cancel, they'll ban you from re-registering for a year which I think is pretty stupid.

Re: Question about tracking updates to your file

Jutz — Mon, 10 Dec 2012 18:48:06 GMT

Just signed up for EIDT, apparently this:

Individual Plan - Monthly Plan

Start your total protection today and receive the detection, monitoring, restoration, and reimbursement coverage immediately

Actually means this:

It takes two business days to process new memberships.

Re: Question about tracking updates to your file

RobertEG — Mon, 10 Dec 2012 19:05:21 GMT

Have you used up your free report once every 12 months with each CRA?

If not, then a free pull at annualcreditreport.com would be available........

Re: Question about tracking updates to your file

Jutz — Mon, 10 Dec 2012 19:10:47 GMT

@RobertEG wrote:
Have you used up your free report once every 12 months with each CRA?
If not, then a free pull at annualcreditreport.com would be available........

Yeah, I think I have until May for the 12 month rolling to be up.

Re: Question about tracking updates to your file

annielorie — Mon, 10 Dec 2012 22:24:32 GMT

When ever I had a dispute and an item was deleted or updated EX sends a confirmation email with your confirmation # You go onto there site with that number and you will be able to see your credit file. They also sent in the mail a new credit report that reflected the changes.

Re: Question about tracking updates to your file

Anonymous — Mon, 10 Dec 2012 22:42:34 GMT

This is a good question. I'm really about to get in the rebuilding and I want to make sure these things are being deleted too. USAA do you have to be a member of the armed forces to get that account. I would like to but when I went on the site yesterday it gave me that impression. Yay or Nay?

Re: Question about tracking updates to your file

Jutz — Tue, 11 Dec 2012 00:36:34 GMT

You don't even need to be a member of the armed services to be a member at USAA. You're just limited to the basic products (Checking, savings, some investment accounts, some credit cards). You can definitely get credit monitoring without serving. I'm still waiting on my eliminateidtheft.com membership to come through. Unlimited pulls for 13 bucks seems almost too good to be true

Re: Question about tracking updates to your file

Anonymous — Tue, 11 Dec 2012 00:41:07 GMT

Update on how you like it please when you can. I'm trying to pick the best one. That sounds like the better deal since you get unlimited pulls which USAA is not offering anymore.

Re: Question about tracking updates to your file

Jutz — Tue, 11 Dec 2012 00:56:58 GMT

Will do. If you have the time, try calling into USAA and asking if they can still offer the unlimited pulls. Some people were able to get that done

Re: Question about tracking updates to your file

Jutz — Tue, 11 Dec 2012 18:41:49 GMT

Update:

Despite the EIDT website and system seemingly being from 1999, it's effective. I called in and got my membership info early, logged on and immediately got my triple report. The scores are comically inaccurate, but that's not what I'm there for anyway. In the excitement, I noticed that a stubborn collection that I thought was stuck just on EX actually fell off! I have no idea why, but it's paid so I have no reason to believe it will return. Maybe my barrage of GW emails and letters and disputes finally made them do the math on what it was costing them to keep telling me no.

Either way, I'm pleased so far with the product. I actually thought I would be annoyed by the triple report, but in actuality, it allows me to quickly skim for differences between the two bureaus. For instance:

VZW NE

More about this account >>

	TransUnion	Experian	Equifax
Account #:	************************		************************
Condition:	Paid		Derogatory
Balance:	$0		$0
Type:	Utility company
Pay Status:	Collection/Chargeoff		Collection/Chargeoff