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Best Credit Bureau App for everything?

mrjerry
Regular Contributor

Best Credit Bureau App for everything?

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? 

17 REPLIES 17
AllZero
Mega Contributor

Re: Best Credit Bureau App for everything?

I don't know about a phone app.

 

$1 you can obtain your 3 bureau FICO 8 scores and reports at Experian or CreditCheckTotal (part of Experian). Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

AnnualCreditReport. Free weekly 3 bureau online reports through April 2021.

Message 2 of 18
blindambition
Community Leader
Senior Contributor

Re: Best Credit Bureau App for everything?

Experian has Credit Works for $24.99. Daily scores and report from Experian, and monthly FICO 8 scores and reports from Trans Union and Equifax. Easy app to use. Only Experian report gives multiple score models.

Message 3 of 18
Dumbee
Established Contributor

Re: Best Credit Bureau App for everything?


@blindambition wrote:

Experian has Credit Works for $24.99. Daily scores and report from Experian, and monthly FICO 8 scores and reports from Trans Union and Equifax. Easy app to use. Only Experian report gives multiple score models.


Agreed

 

Experian app is solid

 

Personally I just use the $10 daily Experian subscription not the 3 bureau. Costs less and they all typically update the same info within days of eachother anyway.


Smiley Embarassed
Personal/40.15K Biz/23K POT/17K
Message 4 of 18
LannaKane
Member

Re: Best Credit Bureau App for everything?

Thanks, something like creditchecktotal.com is exactly what I've been looking for in the past few days! 

FICO8 09/07/20 - EX 643 (+19) / EQ 655 (+11) / TU 750(+11)
Status: Rebuilding
Message 5 of 18
AllZero
Mega Contributor

Re: Best Credit Bureau App for everything?


@LannaKane wrote:

Thanks, something like creditchecktotal.com is exactly what I've been looking for in the past few days! 


Glad you found it.

Message 6 of 18
OmarGB9
Community Leader
Super Contributor

Re: Best Credit Bureau App for everything?


@blindambition wrote:

Experian has Credit Works for $24.99. Daily scores and report from Experian, and monthly FICO 8 scores and reports from Trans Union and Equifax. Easy app to use. Only Experian report gives multiple score models.


Just wanted to clarify the EQ and TU reports are quarterly, not monthly. They used to be monthly like a few years back, but not anymore.


Last App: 05/30/2021
Capital One Auto Refinance Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 7 of 18
Trudy
Valued Contributor

Re: Best Credit Bureau App for everything?


@OmarGB9 wrote:

@blindambition wrote:

Experian has Credit Works for $24.99. Daily scores and report from Experian, and monthly FICO 8 scores and reports from Trans Union and Equifax. Easy app to use. Only Experian report gives multiple score models.


Just wanted to clarify the EQ and TU reports are quarterly, not monthly. They used to be monthly like a few years back, but not anymore.


Hmmm.  I have Credit Works Premium and receive a monthly 3B.  Always have since 2016.

EX products.png

FICO - 8: 09/09/21 AU 8 BC 8
FICO - 9: 09/09/21 AU 9 BC 9
F5,F4,F2 09/09/21 AU... BC...
Vantage 09/09/21
As of 09/01/21:
AoOA - 25Y6M | AoYA – 0Y10M | AAoA – 12Y4M
Open: 11 CC: (1 reporting 2.84% : 0.25% AGG UTL) | 1 PLOC | 1 MTG loan: 46.89% UTL
Closed: 1 MTG loan | 2 Auto loans | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 1/24 | (EX) 1/24
Message 8 of 18
blindambition
Community Leader
Senior Contributor

Re: Best Credit Bureau App for everything?


@OmarGB9 wrote:

@blindambition wrote:

Experian has Credit Works for $24.99. Daily scores and report from Experian, and monthly FICO 8 scores and reports from Trans Union and Equifax. Easy app to use. Only Experian report gives multiple score models.


Just wanted to clarify the EQ and TU reports are quarterly, not monthly. They used to be monthly like a few years back, but not anymore.


Umm no, I get them every 30 days on Credit Works Premium.

Message 9 of 18
OmarGB9
Community Leader
Super Contributor

Re: Best Credit Bureau App for everything?

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? Smiley Mad


Last App: 05/30/2021
Capital One Auto Refinance Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 10 of 18
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