Best Credit Monitoring service?

Anonymous · ‎01-12-2013

Which service is the best? that gives you a notification when your score changes, etc?

creditballer · ‎01-12-2013

USAA all 3 scores/alerts/credit profile/low fee...check it out

and of course FICO is the grandaddy of them all

https://www.usaa.com/inet/pages/creditcheck_monitoring_main?wa_ref=LE_mym_credit_rr_creditmonitor

Last App Oct 2013...applied and received Amex PRG and Blue Sky!
FICO -Walmart = 779
Credit Karma = 781
EX-766, EQ 772, TU-759
Goal: 800

Walt_K · ‎01-12-2013

eliminateidtheft.com is a strong contender as well. You get to pull all three reports daily. If you need to monitor both your reports and your spouse's reports, the value is hard to beat. $180/year (last I checked), so $7.50/month/person for a daily puller.

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720

Take the FICO Fitness Challenge

Open123 · ‎01-12-2013

@Walt_K wrote:
eliminateidtheft.com is a strong contender as well. You get to pull all three reports daily. If you need to monitor both your reports and your spouse's reports, the value is hard to beat. $180/year (last I checked), so $7.50/month/person for a daily puller.

This is an excellent deal. USAA used to be the best when they offered all 3 reports, daily puller, and all for $6.12 per month.

armbenderc · ‎01-12-2013

Maybe I am missing out on things... I am using CreditSecure by Amex.

I think that I'll look around for other just to be sure that I am not missing out. I love Amex!

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

brother7 · ‎01-12-2013

Recently, Credit Sesame added credit monitoring to its service. It's not FICO though; it's the Experian National Equivalency Score, a FAKO.

It's daily monitoring and it's FREE, so I signed up.

04/01/2020 - EX 849 (Credit Scorecard EX FICO® Score 8, range 300-850)
02/20/2020 - TU 850 (Discover TU FICO® Score 8, range 300-850)
03/24/2020 - EQ 884 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017

Anonymous · ‎09-06-2013

I signed up with Credit Karma a year or so ago and luckily never got any alerts. So I can't say if it's the best or not, but it's free so that's something to consider I guess. Same with Credit Sesame. After I cancelled the CK subscription I checked into LifeLock and signed up for their ultimate plan. It just seems much more comprehensive than some of the other ones. This site shows 10 of the popular services http://www.creditflare.com/top-10/top-10-credit-monitoring-services but I'm not sure how good some of those others like Privacy Guard or Identity Lookout really are. If there was a good paid service that's cheaper than Lifelock, I'd love to hear about it. This site also has a pretty good breakdown of a bunch of monitoring plans. http://www.fightidentitytheft.com/credit-monitoring.html.