Credit Monitoring Services (CMS) List

[SmartCookie]

TrueCredit-3 bureau and scores, daily 24+1, FAKOS, alerts

shows mm/dd/yyyy reporting dates on EX and TU (useful for timing payments for util management); mm/yyyy on EQ

Privacy Matters- 3 bureau and scores, daily 24+1, FAKOS, alerts

National City Identity Protect- 3 bureau, daily, must have card?

AMEX Credit Secure-3 bureau, daily, must have card, EX PLUS score

Credit Check Total-3 bureau, daily

Chase Identity Protect- 3 bureau, daily, must have card?

myFICO ScoreWatch-

myFICO FICO Quarterly Monitoring-

Equifax Credit Watch Gold with 3 in 1-

Equifax Credit  Watch Gold-

Equifax Credit Watch Silver-

Equifax ScoreWatch-

other related info:

WaMu-monthly free PFICO (delayed a month), must have card 

Juniper-free TransRisk score

I'll update this with a bunch more stuff over the next few days.  Please add to and feel free to make corrections and I will edit.  Opinions on these products and why they do/don't work for you would be very helpful as well.  Thanks all!

Message Edited by SmartCookie on 12-25-2007 03:05 AM

[haulingthescoreup]

TrueCredit--shows mm/dd/yyyy for dates of report updates for EX and TC (useful for timing payments for util management); only mm/yyyy for EQ

Which other reports show the exact date that the creditors report? thanks

And thanks, SmartCookie, very useful post!

[Anonymous]

Juniper gives a free TransRisk score.

CS are EX plus scores-

[SmartCookie]

Thanks guys I'll get that updated.  While I'm at it I suppose I should edit it to CMS and not the Country Music Awards.  Busy evening!  Multi-tasking without coffee is not easy I tell ya.  

[haulingthescoreup]

I just finished wrapping (yawn.) Merry Christmas, y'all!

[Anonymous]

creditchecktotal.com pricey at $30.00 a month, but an ex product so if you get booted by tc, ex will still let you in. no 24+1 and is the same format as amex cs.

[Anonymous]

BoA offer's credit monitoring called privacy assist if you purchase credit insurance with them on your cc. They send a copy of EQ credit report and FICO score.

After speaking with someone at TU, I got talked into signing up with credit monitoring for all 3 bureau's. Only bad thing is you have to call an 800 number to check alert's and report's. Free for 30 day's, with option to cancel. 9.95 a month if you keep. Think I will cancel, but they did send my credit report for TU and my Vantage Score.

[Anonymous]

CreditKeeper - one pull of all three (merged) every 30 days.  PLUS scoring for each.  Nice what if simulator (can tweak very account) and scenario sim.  Alerts for score changes, derogs added, inqs, new accounts, etc  $9.99/month

[Anonymous]

My wife an an inquiry on her EX report and CCT hasn't made a peep!  It's been three days, and it does show on her report from CCT.

[valley_man0505]

PrivacyGuard--very similar to creditchecktotal in content and format. $10.95 per month, but I had to pay for full 12 months in advance (may have changed since--this was about a year ago when I "accidentally" signed up when I tried to cancel my trial 1 day too late).  Monitors EQ daily and alerts generally got to me 1-2 days quicker than SW alerts.  Refresh 3 CRA merged report every 30 days.