Best credit monitoring services?

[Anonymous]

Hi everyone!

Quick question: I'm just starting to work on cleaning up my credit. I'm looking for recommendations for which credit monitoring companies are the best/most preferred.

I'd like to be able to monitor all three credit reports (Experian, Equifax and Transunion). I'd like to be able to check them every day. Meaning, a refresh on the score, info, etc. I don't know if that's something they all offer?

Any information would be greatly appreciated. Thank you!!

[Anonymous]

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@Anonymous wrote:
Hi everyone!

Quick question: I'm just starting to work on cleaning up my credit. I'm looking for recommendations for which credit monitoring companies are the best/most preferred.

I'd like to be able to monitor all three credit reports (Experian, Equifax and Transunion). I'd like to be able to check them every day. Meaning, a refresh on the score, info, etc. I don't know if that's something they all offer?

Any information would be greatly appreciated. Thank you!!

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Myfico's monitoring service is decent and provides both FICO 08 scores and yearly reports (3 bureau monitoring). Free monitoring services work fine too (e.g. credit karma etc), but they don't provide FICO scores. If you are looking for daily score updates, the myfico monitoring comes close by providing updates when a triggering event occurs. However, it does not track all score changes and you will only get a score update when a triggering event occurs. 

Several other paid monitoring services exist. However, daily score updates serve little purpose if the score is not the type of score you need. Even the FICO 08 score here might not be the score you need (e.g. FICO 04 or 98 used by home loan lenders). Personally, I would find frequent credit report access (credit karma with weekly updates to TU report) more useful than a FAKO or even a FICO score. 

If you choose to use the myfico monitoring (it's 19.99/month with a 3 month minimum) make sure you read the FAQ post in the appropriate forum. It has limitations and many people fail to read the FAQs and are "upset" because they get confused by the features or upset because they expected something else. Myfico's 3 bureau monitoring is probably the best credit monitoring service (I occasionally sign up 3 months at a time since it is the same cost for 3 months monitoring + 1 report of each bureau as it is to buy the 3 reports once). It has always worked as expected for me, but I don't subscribe to it all the time because the free monitoring services are adequate even if less efficient. 

[Anonymous]

Thank you Random!!

Does MyFico provide daily pulls of your credit report? When searching, I did come across MyFico, but I didn't think they offered daily pulls?

Thanks again!

[Imperfectfuture]

No daily pulls.

[redbeard]

The only service I know of that provides daily pulls on all 3 is USAA with the additional feature to add daily pulls.  

Transunion (truecredit) will give you daily pulls on transunion.

After you get started, you will find weekly pulls (i.e., credit karma) will probably answer your questions fast enough on changes.  I do like the option of having all 3 though.

I don't know of any way to get fico score updates daily.  FAKO isn't a problem, but fico is harder.   Alerts will happen with myfico monitoring.  They will give you your new score, but I'm not convinced its always accurate on the updates.  It does seem better now though.