Credit Monitoring Service

[mmduluth]

I am wondering what everyone is using for credit monitoring. I currently have some service from Equifax that allows me to pull a new report quarterly and a Fico score 2 times per year. I recently did the free trail of Amex's Credit Secure which allows you to pull a new report twice in a 30 day period and a FAKO score once per month I believe. Both of these services are $14.99/month. What products are you using, how much do they cost, what do you get, and are you satisfied with them? I've found it hard to decide on which monitoring service to get and would love the input of my fellow credit addicts. 

Btw, I care a little more about the report and being able to pull frequently but I would like to have access to the score a couple times per year with the subscription if possible. 

[llecs]

Be sure to check out the Credit Monitoring Service (CMS) Guide.

[mmduluth]

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@llecs wrote:

Be sure to check out the Credit Monitoring Service (CMS) Guide.

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Wow llecs I had no idea you even put this list together. I admit this is the first time I've been to the General section of these boards. 

[bichonmom]

IMO, USAA gives the most bang for your buck. You can get a daily pull of a 3-in-1 rept., if you want. It's only $12.25 a month. Also, when you call, the reps are in Texas and are very nice and helpful. Of course, I ignore their FAKOs.

In addition, I have SW from EQ. If you're with Navy Fed, you can get it at a discount. I pay $9.95 a month.

For my TU FICO, I have Walmart.

I have been thinking about adding back EQ's Credit Watch Gold because I kind of miss being able to check my EQ repts for softs (unlimited EQ pulls). I've never tried the TU services because they don't offer pulls whenever you want.

I wish there were a way of checking TU for softs, but haven't really found one. Their online system doesn't appear to work very well, either.