Newbie: wants to know best way to get credit reports on constant basis

[MeCasa]

I'd like to know the nost efficient way to get my credit reports on a steady basis

Mike

[805orbust]

Creditkarma.com is good for getting report data constantly. I use the MyFico product fir all 3 reports and all 3 scores (plus the monthly report with all 28 Ficos) and love it.  Experian.com has a similar product as well.

[805orbust]

Oh... for got to mention the MyFico and Experian products are all between $30-$39 per month.

[MeCasa]

Thank you.

I'm willing to pay the $39 but what do I gain for my money. Is the extra information necessary? Is the extra information helpful?

I can afford but I'm a cheapskate by nature, but will pay the $39 if everybody deems it helpful   :-(

Mike

[Horseshoez]

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@MeCasa wrote:

Thank you.

I'm willing to pay the $39 but what do I gain for my money. Is the extra information necessary? Is the extra information helpful?

I can afford but I'm a cheapskate by nature, but will pay the $39 if everybody deems it helpful   :-(

Mike

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Unless you're planning on applying for something like a mortgage, vehicle loan, or even a must have credit card, I would advise skipping the "pay for scores" services.  In late 2021 my Chapter 13 was about to fall off my credit reports and I wanted to plot the change, so I paid the $39 per month for roughly six months and then cancelled the service.  Later this year I'm planning on applying for a mortgage, so in the run up to the application, I will most likely reengage the service until I close on the new home.

[BluDevil]

You can register for free on Experian for your experian report once a month. MyFico for Equifax monthly. I'm not 100% as to TransUnion, although I see a monthly score on my Discover statement.

Credit Karma is... ok. But not something I'd recommend unless you're trying to make sure fraudulent activity is happening. 

I don't personally see any reason for paying monthly to see all 3 unless you're planning on big ticket items. Specifically a mortgage or car. 

[MeCasa]

I was ready to apply for a $100,000 loan from Lightstream and an old bill from Verizon was sent to collections. I truthfully don't think I owed it but Verizon didn't care, Despite having No late Payments and No Collections Verizon filed a collection for $76. My scores plunged 100 points.

One of the scores came back up over 700 but I don't even know about the others.. I still need to get the loan but now I've got to wait till my credit straightens out. I think I would get the best terms if I'm 740+ so I need as much information as possible to get that done. I'm hoping I can get the score back up and reapply within 3 months.

Mike

[MeCasa]

Quit being a cheapskate and get My Fico. Ya'll already said it's good for big ticket items and $100,000 is not chickenfeed.

Ya'll answered my question but I.m so cheap I wasn't listening.

Thanks for helping me  :-)

[SouthJamaica]

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@MeCasa wrote:

Thank you.

I'm willing to pay the $39 but what do I gain for my money. Is the extra information necessary? Is the extra information helpful?

I can afford but I'm a cheapskate by nature, but will pay the $39 if everybody deems it helpful   :-(

Mike

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Helpful for what? You posted that you were looking for the best way to get credit reports on a constant basis. For what purpose do you want to get them?

I subscribe to the MyFICO updating, because it gives me the most complete picture, and I subscribe to an experian.com service because it has daily updates. I also look at my EQ and TU reports on CK. But I don't know what they're "helpful" for; I just enjoy them and like to see what's going on.

[MeCasa]

Wikepedia

helpful

[ help-fuhl ]

adjective

giving or rendering aid or assistance; of service:

I believe signing up for MyFico will aid or assist me in my quest for better monitoring my Fico score

Thank you

Mike