Daily 3B credit pull with FICO score?

[NerdfaceKillah]

I used to use USAA's daily three bureau credit pulling service but after they had redesigned the website it went all down hill from there, and I canceled the service.  Does anyone have any other recommendations?  Honestly, price doesn't matter to me but would prefer to keep it around $30/month.  Does such a service even exist?  I found some old threads regarding Credit Check Total, but it appears that they also changed their service not to allow daily 3b pulls/refreshes anymore.  Any suggestions?

[Anonymous]

With CCT you can get your 3B reports/scores for $1, then 7 days later get them again with a "refresh" at no additional cost.  A monthly membership will only give you your 3B reports/scores once per month for $30.  

I'm not aware of any service that provides 3B reports/scores daily.  Daily is sort of overkill, though.  It's the equivilent IMO of someone that's trying to lose weight weighing themselves every single day.  Sometimes it's better to check weekly, bi-weekly or even monthly.  There are plenty of free services that allow report monitoring more often than monthly (such as weekly or even daily), but you won't get any FICO scores from them if that matters at all.

[NerdfaceKillah]

Thanks, I appreciate the info.  It's just different strokes for different folks.  I weigh myself everyday and have lost over a 375 pounds to date.  Bill Gates once said that we'd never need more than 640K of computer memory.  On average computers these days have between 4GB to 8GB.  Myself?  I have 32GB in my office computer and 64GB in my home computer.

[Anonymous]

I think it is fair to say that that there is no CMS (credit monitoring service) that will give you a daily refresh of your reports at all three bureaus and give you a new FICO 8 score each day and which costs about $30 a month. 

Actually even if you relax some of those criteria I am pretty sure there is nothing.  For example, suppose all you cared about was credit reports and not scores.  I still think there is likely no single CMS that gives you daily 3B reports for $30.  (Glad to learn otherwise though.)

If you are willing to use multiple tools you might be able to get a bit closer.  WalletHub gives you daily TU reports.  Karma gives you weekly EQ and TU reports.  CreditScore.com gives you a report and FICO 8 drawn on EX monthly.  All three of those are free.  CCT gives you daily EX reports for $15/month (along with with monthly 3B reports and scores) -- or you can use their $1 trial as BBS suggested.

To give you a concrete example of what you might expect out there, myFICO Premium costs $40/mo and gives you a 3B report once per month along with a bunch of scores.  But obviously that is very far from getting that every day. 

[SouthJamaica]

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@NerdfaceKillah wrote:

I used to use USAA's daily three bureau credit pulling service but after they had redesigned the website it went all down hill from there, and I canceled the service.  Does anyone have any other recommendations?  Honestly, price doesn't matter to me but would prefer to keep it around $30/month.  Does such a service even exist?  I found some old threads regarding Credit Check Total, but it appears that they also changed their service not to allow daily 3b pulls/refreshes anymore.  Any suggestions?

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I have daily access to all 3 reports but only get the FICO score from EX. I get the reports through Transunion.com, Equifax.com, and Experian.com.

In each case the cost was around $20 month but after I called to cancel they offered to let me keep it at half price, so the total cost is 30-something per month.

The Experian version is especially valuable because (a) it gives you your EX FICO 8 score and (b) the website is well designed, giving you more flexibility in viewing things such as account balances.

[Anonymous]

So SJ, you are getting daily report updates on all 3B with a service provided through each of them?

[Anonymous]

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@NerdfaceKillah wrote:

Thanks, I appreciate the info.  It's just different strokes for different folks.  I weigh myself everyday and have lost over a 375 pounds to date.  Bill Gates once said that we'd never need more than 640K of computer memory.  On average computers these days have between 4GB to 8GB.  Myself?  I have 32GB in my office computer and 64GB in my home computer.

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except Bill Gates never said that.

(and not even sure how RAM has anything to do with FICO reports)

[Anonymous]

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@NerdfaceKillah wrote:

I used to use USAA's daily three bureau credit pulling service but after they had redesigned the website it went all down hill from there, and I canceled the service.  Does anyone have any other recommendations?  Honestly, price doesn't matter to me but would prefer to keep it around $30/month.  Does such a service even exist?  I found some old threads regarding Credit Check Total, but it appears that they also changed their service not to allow daily 3b pulls/refreshes anymore.  Any suggestions?

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The USAA one isn't all that bad.  Though I did like the other version of the website.  I just have the monthly pull that they offer.  I haven't looked into the daily one.  Didn't think they offered that.

If you really want to get all 3 for free there are ways to do this.  You could pay for MyFICO and get all three each month.  To get updates more than once a month space out your credit card due dates.  I have noticed that everytime I get a statement that triggers and update.

Here are some sites you can try:

www.wallethub.com

www.savvymoney.com

reditwise.capitalone.com

www.nerdwallet.com

www.creditkarma.com

www.credit.com

www.mybankrate.com

www.creditscorecard.com

www.myfico.com

www.creditsesame.com

www.quizzle.com

https://usa.experian.com/#/dashboard

[Anonymous]

Unfortunately CCT's score simulator hasn't worked for weeks. But I used to use their service for years.

Amex BCED $15k, SDCCU Visa $10k, Walmart $10k, Chevron $9.8k, Citi DC $5.9k, Target $2k, CapOne MC $3.3k, First Bankcard Visa $11.9k
AVG UTL 4%; 100% on-time payments
FICO: EX 761, EQ 764 & TU 777

[Anonymous]

Experian IdentityWorks Plus - $9.95/month, daily report and FICO 8 update, lock/unlock, credit monitoring, dark web internet surveillance.

TrueIdentity by TU - Free, daily report update but no score, lock/unlock, credit monitoring.

TrustedID by EQ - Free (if you signed up after data breach last year), daily report update but no score, lock/unlock, credit monitoring.

CCT $1 7 day trial - If you need to see your TU and EQ scores.