Best Credit Bureau App for everything?

[Trudy]

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@OmarGB9 wrote:

Well then I'm getting ripped off having signed up via Experian rather than via CCT. I pay $19.99 for daily EX and quarterly TU + EQ when I could have daily EX and monthly TU and EQ for $5 more. What gives EX?

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I signed up with Experian. Never used CCT and/or went the $1 route. The Credit Works Premium Plan I have is $24.99+tax. = $27.?? monthly.

@OmarGB9 Looks like you may have the Identity Works Premium Plan for $19.99.

[OmarGB9]

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@Trudy wrote:

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@OmarGB9 wrote:

Well then I'm getting ripped off having signed up via Experian rather than via CCT. I pay $19.99 for daily EX and quarterly TU + EQ when I could have daily EX and monthly TU and EQ for $5 more. What gives EX?

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I signed up with Experian. Never used CCT and/or went the $1 route. The Credit Works Premium Plan I have is $24.99+tax. = $27.?? monthly.

@OmarGB9 Looks like you may have the Identity Works Premium Plan for $19.99.

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Yup, you're absolutely right. Ugh. Guess I'll have to cancel my membership on EX and go on CCT and sign up. That's lame that they can't connect the two if they're both owned by EX.

I don't see an option for CreditWorks Premium on my EX membership page though? I only get "IdentityWorks" options.

This is all I get:

[SouthJamaica]

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@mrjerry wrote:

Looking for an app that does everything. myfico is 1 day delayed, credit karma is Vantagescore, WalletHub is Transunion I believe, any suggestions for 1 that I can pay monthly to get updated score for all 3 bureaus and full report? 

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There's nothing that's perfect.

The best service for comprehensive coverage is the MyFICO higher priced version, which gives you monthly updates of the whole suite of important (and even some not so important) FICO scores, plus frequent time delayed updates on FICO 8 scores. It costs $40 a month plus tax. It does not give you daily updates of anything.

Perhaps the most useful service which I have -- but I don't know that it's still available -- is the plain vanilla Experian IdentityWorks Plus product I have from Experian.com. It provides daily updates of my EX reports, plus daily updates of 7 EX FICO scores, and only costs $10 month plus tax.

[blindambition]

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@SouthJamaica wrote:

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@mrjerry wrote:

Looking for an app that does everything. myfico is 1 day delayed, credit karma is Vantagescore, WalletHub is Transunion I believe, any suggestions for 1 that I can pay monthly to get updated score for all 3 bureaus and full report? 

---

There's nothing that's perfect.

The best service for comprehensive coverage is the MyFICO higher priced version, which gives you monthly updates of the whole suite of important (and even some not so important) FICO scores, plus frequent time delayed updates on FICO 8 scores. It costs $40 a month plus tax. It does not give you daily updates of anything.

Perhaps the most useful service which I have -- but I don't know that it's still available -- is the plain vanilla Experian IdentityWorks Plus product I have from Experian.com. It provides daily updates of my EX reports, plus daily updates of 7 EX FICO scores, and only costs $10 month plus tax.

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This is where it's confusing, but yes yours is still available. Two flavors for $10, essentially offer the same. Credit Works Plus and Identity Works Plus. 

[Anonymous]

Just a heads up, when I signed up for CCT (CreditCheckTotal) it linked my Experian account and all was good. I was able to go in and click on the refresh all 3 button to see all three FICO scores in the regular Experian website under Scores and Reports. But I noticed I received a welcome to Experian email and today when I tried to sign into CCT it said incorrect sign in info so I went to login on experian.com and now my credentials don't work. I tried forgot password and then it told me no username was found for the one I've been using. So I selected forgot username and it sent me an email with my username... the same one I entered. I think something like this has happened in the past and it's a little frustrating with all of their different "products". I attempted to put the username in so I can continue with the forgot password steps but it's giving me the same, "We were unable to find any accounts that matched the username you provided. If you don't know your username, click on "Forgot Username" below." 

I guess this could be posted in some other place on the forum but it's a follow-up to signing up with multiple Experian products. Just a heads up that I think Experian gets confused. Also, I hate Equifax's website where I had issues like this also when dealing with more than one of their products. Also, if anyone has any advice please share lol. Thanks.

**UPDATE: I remembered it had me setup a new username and password so even though it merged my accounts, the new credentials took over. Thankfully, I remembered the new username even though when I do forgot username it sends me my old one. I was able to successfully log back into experian.com with the account I made on CCT. 

[blindambition]

This is for @Trudy and @OmarGB9 specifically, but good info for all.

Ive had CreditWorks Premium for a long time, at $24.99. A recent glitch found me having to downgrade to reset issue. They gave credit, but when I upgraded a few days later, subscription is now $19.99

Trudy, you might want to cancel before billed and take free, upgrade in app a few days later. Five bucks a month is $60 a year.

[OmarGB9]

Good info, thanks!

[Trudy]

Thanks for the heads up @blindambition .