Need Recommendation - Credit Monitoring

[Swapmeet]

I still want to know if there is a service that lets you pull at least twice per month, and shows who is SPing you.

[Hcontreras]

I've got the monitoring service from Equifax and love it. It sends me alerts for all activity for all three bureaus. I was paying $14.95 a month, but if you pay that initially, then call them by phone to cancel before the end of the month, they will ask you "can I ask you why you want to cancel?", then tell them it's too expensive. They will then offer you a $8.45 per month for all the same services. Just a little trick I've learned to get my "monthly monitoring" services fees down. I know Equifax gives you what they call a FAKO score, but as far as I'm concerned they are all FAKO (even this site), so what difference does it make??? .....I use the score more for a reference, but mostly use the service for the monitoring aspect than anything. Hope this helps.

[Hcontreras]

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@Hcontreras wrote:

I've got the monitoring service from Equifax and love it. It sends me alerts for all activity for all three bureaus. I was paying $14.95 a month, but if you pay that initially, then call them by phone to cancel before the end of the month, they will ask you "can I ask you why you want to cancel?", then tell them it's too expensive. They will then offer you a $8.45 per month for all the same services. Just a little trick I've learned to get my "monthly monitoring" services fees down. I know Equifax gives you what they call a FAKO score, but as far as I'm concerned they are all FAKO (even this site), so what difference does it make??? .....I use the score more for a reference, but mostly use the service for the monitoring aspect than anything. Hope this helps.

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Just to be clear on my comment above....This site says it's a FICO score that you get, and it's is.....I don't doubt that, but it's a scoring model that few lenders use, that why I say "they are all FAKO as far as I'm concerned". We are hard-pressed to find "the right" score that the actual lenders use...FICO or FAKO.

[Lechte]

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@Hcontreras wrote:

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@Hcontreras wrote:

I've got the monitoring service from Equifax and love it. It sends me alerts for all activity for all three bureaus. I was paying $14.95 a month, but if you pay that initially, then call them by phone to cancel before the end of the month, they will ask you "can I ask you why you want to cancel?", then tell them it's too expensive. They will then offer you a $8.45 per month for all the same services. Just a little trick I've learned to get my "monthly monitoring" services fees down. I know Equifax gives you what they call a FAKO score, but as far as I'm concerned they are all FAKO (even this site), so what difference does it make??? .....I use the score more for a reference, but mostly use the service for the monitoring aspect than anything. Hope this helps.

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Just to be clear on my comment above....This site says it's a FICO score that you get, and it's is.....I don't doubt that, but it's a scoring model that few lenders use, that why I say "they are all FAKO as far as I'm concerned". We are hard-pressed to find "the right" score that the actual lenders use...FICO or FAKO.

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I have the same frustration as you about this site and it's 90% lender used FICO score....but at least the EQ FICO here is correct, and i've seen where a few people had lenders pull the EX FICO that you can buy here.   A small minority of lenders use the EX FICO here....it is the newest version, so hopefully with time, you'll see the majority of lenders using it.  As for the TU...well, that's as good as me making up my own score.

[-Wade-]

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@Swapmeet wrote:

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@Wade64 wrote:

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@BarryNTexas wrote:

Never used these services but I now want to add one for during my credit improvement/face lift period.  Anyone have a good solid history and suggestion? 

Thanks in Advance, BnTX

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The one. I like the best is Equifax from their site ! EQ showes the SP's on your file .

For all 3 CRAs?

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I just get EQ i don't know about the other 2 for the SP's.

[-Wade-]

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@Hcontreras wrote:

I've got the monitoring service from Equifax and love it. It sends me alerts for all activity for all three bureaus. I was paying $14.95 a month, but if you pay that initially, then call them by phone to cancel before the end of the month, they will ask you "can I ask you why you want to cancel?", then tell them it's too expensive. They will then offer you a $8.45 per month for all the same services. Just a little trick I've learned to get my "monthly monitoring" services fees down. I know Equifax gives you what they call a FAKO score, but as far as I'm concerned they are all FAKO (even this site), so what difference does it make??? .....I use the score more for a reference, but mostly use the service for the monitoring aspect than anything. Hope this helps.

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Hi Hcontreas..... can you give  the phone # you called to get the $8.45 rate .........Thanks man

[Hcontreras]

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@Wade64 wrote:

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@Hcontreras wrote:

I've got the monitoring service from Equifax and love it. It sends me alerts for all activity for all three bureaus. I was paying $14.95 a month, but if you pay that initially, then call them by phone to cancel before the end of the month, they will ask you "can I ask you why you want to cancel?", then tell them it's too expensive. They will then offer you a $8.45 per month for all the same services. Just a little trick I've learned to get my "monthly monitoring" services fees down. I know Equifax gives you what they call a FAKO score, but as far as I'm concerned they are all FAKO (even this site), so what difference does it make??? .....I use the score more for a reference, but mostly use the service for the monitoring aspect than anything. Hope this helps.

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Hi Hcontreas..... can you give  the phone # you called to get the $8.45 rate .........Thanks man

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1-866-429-2824