Credit monitoring

[Anonymous]

You can't pay any attention to the scores from USAA, or any other credit monitoring service that allows daily pulls of your report because, they are NOT REAL. A credit monitoring service with daily pulls are there for the REPORTS.   The link for finding your scores can be found here.   

[Repo-ed]

Great thread! I'm currently a member of Idenity Guard, but also have 3 USAA accounts, and think I'll cancel IG and get the premium service through USAA.

Thanks again for the great post guys/gals.

[Repo-ed]

Ugg - I opened up a Preimer CMS w/ USAA last night and BOY do their FICO #s drastically DIFFER (much lower) than those from Idenity Guard.

[haulingthescoreup]

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@Repo-ed wrote:

Ugg - I opened up a Preimer CMS w/ USAA last night and BOY do their FICO #s drastically DIFFER (much lower) than those from Idenity Guard.

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They're not FICO scores, so no worries.

Both sets are bogus.

Don't pay attention to FAKO scores or FAKO advice, because they'll make you crazy, even when you know they're fake. And the advice is sometimes hurtful to FICO's.

The report monitoring is great. Just put a sticky over the part of your screen that displays your scores.

[Repo-ed]

updated numbers in sig; just bought them from here. Not nearly as high as I was hoping for. Not sure what direction to go in now.

[vanillabean]

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@p- wrote:

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@Anonymous-own-fico wrote:

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@Anonymous wrote:

go to that link and scroll down to where it said, "CreditCheck Monitoring Premium".  Scroll further down and click on "Sign Up Today" to join

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Doing that brings you to "Don't have an Online ID? Register for usaa.com", but when you try to create an online ID, then "Help us verify your USAA membership by entering your USAA number or Social Security number." I'm stuck. 

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Call customer service if you're having trouble signing up on the website.

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I called the USAA customer service. It would appear that in order to sign up for the creditcheck monitoring, you would need a credit card with them and be a member with them that way.

[Anonymous]

Looks like the scores are not too much differences.

As of today:

Scores from creditmonitoring (USAA)

Experian: 690

Equifax: 681

TransUnion: 714

FICO scores just pulled today by my loan officer:

Experian: 676

Equifax: 669

TransUnion: 683

Yep, I need another 4 points to get a better rate.

I have the following outstanding balances:

Macy's: $207

Discover: $163 of 6k

Chase: $62 of 4k

I just paid off all three.  Hopefully I'll get those 4 points next month after they reported/updated the balances.

[p-]

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@Anonymous wrote:

I just paid off all three.  Hopefully I'll get those 4 points next month after they reported/updated the balances.

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!!!!  - You will likely see a better score picture if you leave a small balance on one card, say 5-9%, and the rest are 0 than if all are reporting zero.

[Anonymous]

I've charged $60 of $5100 on my Discover Card this morning :-)

is that enough or should I charge some more to it? 

[p-]

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@Anonymous wrote:

I've charged $60 of $5100 on my Discover Card this morning :-)

is that enough or should I charge some more to it? 

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That's just over 1%.  If you let that post, and all of your other cards are at 0, you should be able to see a difference.  If you need a bump, try staying between 3-9%.  It's not an exact science, mostly trial and error and everone's file is a little different.  good luck!