How much do you spend a month on credit monitoring services?

[Anonymous]

I feel like I go back and forth on paying for myFico, then cancelling and just using my CC scores.  Then I want a report and CK doesn't satisfy me so I buy again.  I currently cancelled my autobilling for myFico, but have a few more weeks before it actually cancels and I am considering getting Credit Secure again from Amex, because for the same price I can get unlimited reports, but it's a plus score?

What do you guys pay per month for scores?

[gdale6]

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@Anonymous wrote:

I feel like I go back and forth on paying for myFico, then cancelling and just using my CC scores.  Then I want a report and CK doesn't satisfy me so I buy again.  I currently cancelled my autobilling for myFico, but have a few more weeks before it actually cancels and I am considering getting Credit Secure again from Amex, because for the same price I can get unlimited reports, but it's a plus score?

What do you guys pay per month for scores?

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I pay zip for scores I have cards that give them to me free.

EX: Get a FNBO card for Fico 8 bankcard, PSECU if in PA for Fico 04

TU: Walmart, Disover Bank or Barclay (Barclay only updates every few months)

EQ: DCU checking/savings or savings/cc combo for Fico 04

That plus score is EXs prorpietary model and is a FAKO.

[firetech593]

Ex from Chase Slate in the works, PC to it yesterday

TU from Discover IT, WM,

EQ from Citi Diamond Preferred (erratic timing though)

Tme to cancel USAA monitoring but I like the Experian reports. All 3 with Fako is 22.50 a month.

[Anonymous]

I've been considering apping for Slate just for the EX score, but it seems irresponsible.

Plus, it's nice to be able to see your report.  I know the Plus scores are FAKOs, but Credit Secure is nice simply for the ability to pull a report everyday.

[pipeguy]

I pay $19.95 a month for this site and I also use Equifax (unlimited EQ reports) which I got free from a credit's screw up for 2 years starting 3/15. Previously I used Experian which I also got free from another creditors data breach. I check in with Credit Karma weekly for reasons other than the scores which are a joke. I also use Barclays, Walmart, PenFed and DCU for monthly updates at no charge. 

Without a doubt I consider the $20 to FICO for reporting to be the best because of the constant scoring updates from all three primary CRA's - that said I only "buy" the annual report once per year from myFICO. .

[takeshi74]

Nothing.

[Anonymous]

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@Anonymous wrote:

I feel like I go back and forth on paying for myFico, then cancelling and just using my CC scores.  Then I want a report and CK doesn't satisfy me so I buy again.  I currently cancelled my autobilling for myFico, but have a few more weeks before it actually cancels and I am considering getting Credit Secure again from Amex, because for the same price I can get unlimited reports, but it's a plus score?

What do you guys pay per month for scores?

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I'm paying $29.95 on this site right now.  Someone hacked my Amazon account when I was dumb enough to use my tablet in a hotel without running my VPN and security apps. That was two months ago. I'm mainly seeing if anything else shows up. If everything stays clear I'll drop it in a couple of months.

[Dahlia77]

I pay the $24.95 a month for myfico and I use Equifax also.  In rebuilding process and none of my cards that I have offer free scores so it's worth it to me.  Additionally, sometimes pull new credit reports from Fico as my info changes rapidly as things drop off and the rebuilding half starts to accumulate.  Would love to have it for free but not alas, not yet!

[Anomalous]

I subscribe to myFICO and I'm still under the $21.95/mo plan for 3-Bureau. I haven't tried any other paid services.

[takeshi74]

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@Anonymous wrote:

I am considering getting Credit Secure again from Amex, because for the same price I can get unlimited reports, but it's a plus score?

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Yup.  As AmEx says on its CreditScure page:

PLUS Scores are not used by lenders

I recommend focusing on the data in your reports versus specific numbers.  Scores are only useful if you know what model and CRA a creditor uses and you have access to the score.  Creditors do not all use the same scoring model and even FICO has a number of different models used by creditors.  The differences in those models will lead to differences in the numbers even if the models are using the same report data.