@Anonymous wrote:I just signed up for score watch. I got my EQ 654. Is it worth paying to get the TU score? I know my TU report is alot cleaner than EQ because its easier to dispute the errors. I have to go through CSC to fix EQ and they are horrible. There are tons of differences between the 2 and honestly I have no intention to apply for new credit. This was to fix everything for the future. Opinions?
welcome to the myFICO forums!
for me, i am subscribed to both. the TU Quarterly Monitoring is only $50 a year (you get two free months if you pay the full year up front, otherwise its $4.95/mo). for about $20/mo, i get two FICO scores and can keep track of things on my credit reports. i subscribed to both so that i have an idea where i stand when i decide to apply for credit.
but after all said and done, it will be up to your personal preference and if you think having both service is beneficial for you.
Having your FICO score is always great, especially if you haven't had it for awhile, or definitely if you've never had it. What I've noticed though, a fair amount of people on these boards, when not actively seeking credit or any kind of lending (mortgage, car loan, etc), are fine with a credit monitoring service. Sure, it may be FAKO, but it's usually good enough for credit gardening and monitoring. Then, when necessary, subscribe again to a myFICO service when it's necessary for you to have an up-to-date, accurate FICO score.
I use Quarterly Monitoring, but will probably dump it soon as I'm not seeking new credit and am just gardening, and using USAA CCMP is good enough for me.
