Credit monitoring

[Anonymous]

I have discover card and this is what they're offering.  $9.99/Month.  Good deal?

3-Bureau credit report monitoring means the most credit score insight available. Credit Reports and Scores from all three credit bureaus (Experian®, TransUnion®, Equifax®)

• Unlimited 24/7 online access to your Experian® credit report and credit score.
• Access to three bureau credit reports and credit scores once a month.

Customized Experian® Credit Score Alerts

Receive an alert to changes in credit score, or customize your score alerts to know how you are progressing towards your goal.

Credit Score Illustrator

Simulate how different factors such as timely payments, credit inquiries, and opening or closing your accounts might affect your credit score.

Score tracking tools

Track your credit score over time to see how your score changes month to month and how it compares to your target score.Member Services Representatives

Available to help answer your questions.

[p-]

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@Anonymous wrote:

I have discover card and this is what they're offering.  $9.99/Month.  Good deal?

3-Bureau credit report monitoring means the most credit score insight available. Credit Reports and Scores from all three credit bureaus (Experian®, TransUnion®, Equifax®)

• Unlimited 24/7 online access to your Experian® credit report and credit score.
• Access to three bureau credit reports and credit scores once a month.

Customized Experian® Credit Score Alerts

Receive an alert to changes in credit score, or customize your score alerts to know how you are progressing towards your goal.

Credit Score Illustrator

Simulate how different factors such as timely payments, credit inquiries, and opening or closing your accounts might affect your credit score.

Score tracking tools

Track your credit score over time to see how your score changes month to month and how it compares to your target score.Member Services Representatives

Available to help answer your questions.

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I think this is a FAKO, not fico, so the score is just a guestimate, but the report info will be good.  This is about ballpark for a once-a-month pull, but there are other sources that allow unlimited pulls.

[Anonymous]

oh wow.  Thank you for the info.

Lucky I haven't signed up for the service.

I want to know all my three FICO scores, but I don't want my loan officer to pull them.  I've heard that might hurt my scores.  I pulled the below info from creditkarma and I guess they're useless as well :-)

Any suggestion where to pull my own FICO scores?

I've already joined myfico, so I know my EQ.

SCORE HISTORY Your TransRisk score is 641. It has not changed since your last update on Jan 7, 2012. Feb. 2, 2012

 Your TransRisk score is 641. It has not changed since your last update on Jan 7, 2012.

 SCORE HISTORY Your Vantage score is 696. Your score has changed by +29 points since your last update on Jan 7, 2012. Feb. 2, 2012

 Your Vantage score is 696. Your score has changed by +29 points since your last update on Jan 7, 2012.

 SCORE HISTORY Your Auto Insurance score is 808. Your score has changed by +3 points since your last update on Jan 7, 2012. Feb. 2, 2012

 Your Auto Insurance score is 808. Your score has changed by +3 points since your last update on Jan 7, 2012.

[MarineVietVet]

The scores from the Discover service as already noted are not FICO scores. The reports are ok just ignore the scores and advice that go with the reports.

Credit Karma offers 2 kinds of scores; VantageScores which a few lenders use and TransRisk scores which no lender uses.

No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO.

At one time you could also purchase your Transunion score at transunioncs.com but no more. Wal Mart now offers a TU08 score to those who have their store card and the Discover version.

Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/

There is no service that offers all three scores.

Here is an excellent CMS Guide offered onsite.

[p-]

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@MarineVietVet wrote:

Here is an excellent CMS Guide offered onsite.

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+1 There's the link I was going to post but couldn't find....  

[MarineVietVet]

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@p- wrote:

+1 There's the link I was going to post but couldn't find....  

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Macros can come in very handy.  I would be more lost than I already am if not for all my saved information.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[fused]

I love macros!

[LS2982]

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@Anonymous wrote:

I have discover card and this is what they're offering.  $9.99/Month.  Good deal?

3-Bureau credit report monitoring means the most credit score insight available. Credit Reports and Scores from all three credit bureaus (Experian®, TransUnion®, Equifax®)

• Unlimited 24/7 online access to your Experian® credit report and credit score.
• Access to three bureau credit reports and credit scores once a month.

Customized Experian® Credit Score Alerts

Receive an alert to changes in credit score, or customize your score alerts to know how you are progressing towards your goal.

Credit Score Illustrator

Simulate how different factors such as timely payments, credit inquiries, and opening or closing your accounts might affect your credit score.

Score tracking tools

Track your credit score over time to see how your score changes month to month and how it compares to your target score.Member Services Representatives

Available to help answer your questions.

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Sounds like a nice deal, equivalent of TU's CMS but cheaper.

[CS800]

Is there one that offers unlimited access to all 3 ? Dont need scores

[Anonymous]

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@CS800 wrote:
Is there one that offers unlimited access to all 3 ? Dont need scores

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Yes!  USAA CMS (Experian product) costs $12.25 a month and, Eliminate I.D. Theft (Transunion product) costs $12.95 a month.  Check the CMS Guide that llecs prepared for other choices as well.