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Hey all, I'm sure a lot of DPs exist spread out all over the forum regarding Monitoring services, but I feel it might be extremely helpful if we had a centralized thread to discuss mostly the "GOOD" of each service in comparison with the competition. My intention is not to create a Rant thread but similar to other DP threads, provide a space to expound on the virtues of the services we all know and love
There are a lot of changes going on in the space and my own experiences have left me hunting for DPs to help make informed decisions on my journey to Credit Nirvana. If this thread survives the "Wrath of the Mods" it may help change the lives of those new to the Credit Game, as well as, sharpen the tools for the "Masters of the Sock Drawer"
Recently as many already know there has been a shift towards Vantage Score for complimentary offerings by the Majors. FICO still rules the roost but the details on who offers which scores... CRAs covered... frequency of updates... info detail... cost... interface... as well as changes to nuances for using each are vital for many here. By no means is this format set in stone and I welcome any and all input to help further the collective. Also if I just duplicated an existing thread please let me know as well
Here it goes:
Current Service Name:
Owned by (company):
CRAs covered (EX, EQ, TU):
Scores (VS + number, FICO + number):
Reports included? If so, which ones:
Update Frequency (Daily, Weekly, Monthly, Quarterly??? ) :
Cost:
Interface (scale of 1-5 = Best):
Comments:
Again feel free to discuss but lets try to keep it on topic as much as possible.
I'll start it off...
Current Service Name: IdentityWorks Premium (Trial)
Owned by (company): Experian
CRAs covered (EX, EQ, TU): All 3
Scores (VS + number, FICO + number): FICO8 + the main secondary FICOs
Reports included? All 3 (once for trial - Daily for EX)
Update Frequency: EX daily, EQ and TU quarterly?
Cost: Free for 1 month, 19.99/mo. thereafter
Interface (scale of 1-5 = Best): 3
Comments:
A bit busy however provides a lot of information. The Identity centric monitoring is clearly the main focus as it provides a ton of monitoring services. I have run into some issues with the Sexual Offender Alerts as they seem to update and alert "Daily" with the same data. The site says it supposed to update monthly and brought this to the attention of the CSRs. Not to make light but I explained to them that it seemed that AO was being overrun and made me a bit uneasy until I figured out it was a glitch. They passed it along to the Dev Team and said they would fix it. We'll see. Other than the minor glitches it seems to be geared for those interested in Total ID monitoring with attention to EX daily info. If they would provide more frequent EQ and TU updates they may have a winner on their hands. Combine VS as an Free addon - I know thats the competition I think they would rule the day. BTW one major gripe I had was there are no "Push" alerts for file data updates like TL additions or score changes - email only. Push alerts seem to only exist for INQs.
FYI... The CSR lady stated that they will be combining their plethora of monitoring sites soon for whatever thats worth.