Hey everyone....
Ive never had any type of monitoring for my reports, just pulled them from denials or pay for them. So, I really need some help in deciding which one. Id like to know who you use for monitoring...im looking for free and paid subscriptions(if need be). I just dont know enough about them.
1. Alerts, and just basics monitoring like (HP, new accts, new admissions on reports...just basic)
2. Pulling of reports..
3. if possible, fico scores
Id like to have a monitoring where I can do everything...monitor everything, and pull a report (thats accurrate), but for a decent price. I dont want to spend $$$$ to do this.
Who do you use, why, and are you satisfied with them?? Just need a little help deciding, thanks! 
@pizza1 wrote:Hey everyone....
Ive never had any type of monitoring for my reports, just pulled them from denials or pay for them. So, I really need some help in deciding which one. Id like to know who you use for monitoring...im looking for free and paid subscriptions(if need be). I just dont know enough about them.
1. Alerts, and just basics monitoring like (HP, new accts, new admissions on reports...just basic)
2. Pulling of reports..
3. if possible, fico scores
Id like to have a monitoring where I can do everything...monitor everything, and pull a report (thats accurrate), but for a decent price. I dont want to spend $$$$ to do this.
Who do you use, why, and are you satisfied with them?? Just need a little help deciding, thanks!
To meet all 3 and get all 3 Fico scores, your two options are :
. 1. MyFico 3B - $29.95/month. Scores update upon activities that trigger alerts such a balance change, new account, etc. You can pull your actual reports quarterly. Big advantage of MF's scores is that besides your Fico 08 scores, the quarterly reports will give your 04 and 08 Bankcard Enhanced scores, 04.and 08 Auto Enhanced scores, and your 04 and 08 Mortgage scores.
2. Credit Check Total - $29.95 month (have rad about this being slashed if you call to cancel but someone else will have to verify whether this still true). Provides Fico 08 scores for all 3 CRAs and you can pull your reports 3 times per month.
Third option for $21.95 per month is Experian's credit tracker that gives you your Experian Fico 08 score. Big factor here is you can pull daily reports without any extra charge.
I have both MF and Experian credit tracker. MF is good but scores updating can lag at times but overall I'm satisfied.
Hope this helps.
CCT for $15 per month (after the 2 weeks and calling to cancel). Daily Exp pulls, and since that's my primary report for credit pulls, I'm most interested in that score. The other 2 every 30 days. As someone mentioned, alerts for all 3 reports.
I've had Myfico, however recently when it was time for my 3B pull, it couldn't pull Experian with the freeze. So that pushed my to go ahead and cancel.
@Anonymous wrote:
@pizza1 wrote:Hey everyone....
Ive never had any type of monitoring for my reports, just pulled them from denials or pay for them. So, I really need some help in deciding which one. Id like to know who you use for monitoring...im looking for free and paid subscriptions(if need be). I just dont know enough about them.
1. Alerts, and just basics monitoring like (HP, new accts, new admissions on reports...just basic)
2. Pulling of reports..
3. if possible, fico scores
Id like to have a monitoring where I can do everything...monitor everything, and pull a report (thats accurrate), but for a decent price. I dont want to spend $$$$ to do this.
Who do you use, why, and are you satisfied with them?? Just need a little help deciding, thanks!
To meet all 3 and get all 3 Fico scores, your two options are :
. 1. MyFico 3B - $29.95/month. Scores update upon activities that trigger alerts such a balance change, new account, etc. You can pull your actual reports quarterly. Big advantage of MF's scores is that besides your Fico 08 scores, the quarterly reports will give your 04 and 08 Bankcard Enhanced scores, 04.and 08 Auto Enhanced scores, and your 04 and 08 Mortgage scores.
2. Credit Check Total - $29.95 month (have rad about this being slashed if you call to cancel but someone else will have to verify whether this still true). Provides Fico 08 scores for all 3 CRAs and you can pull your reports 3 times per month.
Third option for $21.95 per month is Experian's credit tracker that gives you your Experian Fico 08 score. Big factor here is you can pull daily reports without any extra charge.
I have both MF and Experian credit tracker. MF is good but scores updating can lag at times but overall I'm satisfied.
Hope this helps.
Thanks so much Irish! It helps a lot
@Anonymous wrote:I will put out a "budget" solution, one that aims more at your request for a cost-free approach.
For reports:
Use Credit Karma. This is free and will get you your TU and EQ report as often as once a week. If you are making a lot of changes (major cleaning mode) I'd focus just on those two reports, pulling them 2-3 times a month. Then, after you have made a lot of improvements to them, use ACR to pull your Experian report (one report per year). Carefully compare the EX report with EQ and TU to see if and how they differ.
For Vantage Score 3.0:
Use Karma (TU and EQ) and add to that Credit.com (EX). Both are free. Vantage has the same range as FICO (300-850). I would not try to infer your FICO from your Vantage (they won't be the same) but the V-scores can be very helpful to a person who is trying to make long range improvements to his score over the course of a few years. The way to use the score is to compare it against itself over time. Compare your TU Vantage to itself, as the months go by -- same for your EQ Vantage, etc. And it may be useful to compare your three Vantage scores at a moment in time, since they are all the same model but using different data from each bureau.
Note: the Vantage score at Credit.com takes a little detective work to find. It's not the first score that jumps out on the page.
For FICO scores:
Once per year pull virtually every conceivable FICO score under the sun through myFICO. You can do this a couple ways. One is to sign up for the 3B monitoring service, download all your reports and scores, print them out, then cancel after a couple weeks. That's only $30 a year. I would time that if you can to be 5-7 months apart from when you pull your Experian report from ACR.com. That way you'll be getting at least a couple Experian reports throughout the year. If you go this route, I would prepare for the big FICO pull by getting your accounts and credit card balances as clean and pretty as you can -- that way your 3B snapshot will give you an idea of the best your scores can be at that point. Also useful would be to pull your Vantage scores on the same day -- that way it will give you some reasonable guess as to what the V-scores might be saying about your FICO during the next 12 months.
In addition, look to see whether any of your current credit cards offer you a free FICO score. Discover, Barclays, Amex, Bank of America, Citibank, Chase... "everybody's doing it" as the old Irving Berlin song says. I wouldn't try to add cards just for that, but eventually over time you will get free scores this way too.
Thank you for that infomation!! Much apprciated