Instead of looking for "most comprehensive" which is vague and not really a useful criterion, list out your requirements and find an option that best suits you. Selecting a solution isn't just about the solution itself but what one specifically needs/wants and one's preferences and priorities. Each option has its pros and cons.
Do you need access to report data? If so, how often?
Do you need FICO's? Is so, which specific models and how often?
How much are you willing to pay?
Provide as much information as possible if you want recommendations. Prioritize your list of needs/wants as there probably isn't a perfect solution and you're going to have to be willing to compromise in one or more areas. We need to understand where you are and where you are not williing to compromise.
@Anonymous wrote:
It's nice and much better than Experian but doesn't update the scores and only seems to be Equifax related.
How is it "nice" and "much better" for you? Be specific and don't just rely on higly subjective adjectives like that. What does Equifax provide that you like that Experian does not?
As far as scores from Equifax, the score depends on the product. Products in the middle of the page provide an Equifax score that is not used by creditors. Products at the bottom provide FICO 8's.
http://www.equifax.com/all-products/
@Anonymous wrote:
I noticed myFico does all 3 scores and shows you and updates them regularly. Anyone have experience with them?
Many do but even without experience you can read up on their offerings:
http://www.myfico.com/Products/Products.aspx
There aren't just 3 scores. There are many scoring models used by creditors -- and many not used by creditors so always consider the relevance of a given model/CRA to a given creditor/product. See also the Understanding FICO Scoring subforum and its stickies on the various FICO models. myFICO's monitoring provides updates for FICO 8 and quarterly access to the additional models & reports.
Also keep in mind that myFICO's monitoring is a trigger based service.
http://myfico.custhelp.com/app/answers/detail/a_id/463/~/understanding-what-triggers-fico%C2%AE-3-bureau-credit-monitoring-and-fico%C2%AE-identity
Updates and alerts only occur when trigger activity takes place. Not all activity with a scoring impacts is a trigger. If having regularly scheduled updates (on fixed intervals) is a must then a trigger based service is probably not the right solution.
@Anonymous wrote:
I use USAA, for the $13 a month plan I get 3 scores/report once a month, when I had the upgraded version for $37/month it was 3 scores/reports DAILY.
Again, consider the relevance of a given model to a given creditor/product. USAA's service provides Vantagescores. They are used by some creditors but they will not be relevant to creditors that do not use them. The same sort of thing applies for any scoring model which is why relevance is important. One cannot just rely on a FICO. If a creditor/product uses an EQ FICO 8 Bankcard then a TU FICO 8 will not matter since both the model and the CRA differ.
Don't overlook other discussions as a resource. Monitoring services are a very common topic. Credit Check Total has been a popular option.
