Smart Credit, true credit, MPM - help

[JBB529]

I'm currently subscribed to all of these, but I just signed up for MPM today... and I'm subscribed here. I may or may not have been using smart credit and true credit to look at my daily TU report for the last 45 days. I don't really need to do that anymore, if you know what I mean. I haven't been able to access MPM yet so I don't know what they're all about.  Any suggestions on what service I should keep?

[Anonymous]

I am currently using MPM and I like it. It allows daily pulls on all 3 and it's the least expensive of all (I think $14.95 a month)

Do both True Credit and Smart Credit show soft pulls on your TU?

[JBB529]

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@Anonymous wrote:

I am currently using MPM and I like it. It allows daily pulls on all 3 and it's the least expensive of all (I think $14.95 a month)

Do both True Credit and Smart Credit show soft pulls on your TU?

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Thanks for the input. Actually no, neither of them show your soft pulls. I actually called to cancel SC and TC but they both offered me a free month with no obligation, so I decided to keep them another month. Does MPM show your softs on all 3?

[gdale6]

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@JBB529 wrote:

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@Anonymous wrote:

I am currently using MPM and I like it. It allows daily pulls on all 3 and it's the least expensive of all (I think $14.95 a month)

Do both True Credit and Smart Credit show soft pulls on your TU?

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Thanks for the input. Actually no, neither of them show your soft pulls. I actually called to cancel SC and TC but they both offered me a free month with no obligation, so I decided to keep them another month. Does MPM show your softs on all 3?

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MPM only shows hards

[takeshi74]

IIRC you need to get reports directly from the CRA's (and not via their monitoring services in at least some cases) to view softs.

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@JBB529 wrote:

Any suggestions on what service I should keep?

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As stated above, cheapest daily pulls are MPM/EIDT.  However, they do have a kludgy interface and from what I remember it is literally at least 24 hours between pulls.  Should if for you to determine as we don't know what your priorities are.

[Anonymous]

takeshi74: You are right, it has to be exactly 24 hoursand1 minute to be able to pull a new copy.

JBB529: What I meant was will both Truecredit and Smartcredit allow you daily pulls on TU and will they reflect on your TU report as SP's?

[Anonymous]

Be nice, I'm new- what are MPM and EIDT?

[KellyP25721]

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@Anonymous wrote:

Be nice, I'm new- what are MPM and EIDT?

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I had to look it up too. MPM is My Privacy Matters (myprivacymatters123.com) and EIDT is Eliminate ID Theft (eliminateidtheft.com)

[Erusidhion]

    Hopefully no one is still using these monitoring/pull services anymore because it has been shut down for the forseeable future. You would be wasting money subscribing to these services for that now. However, if you're just wanting to know a good monitoring service; I've had nothing but good results from USAA CCMP. You don't have to be a member to sign up for it. However it's probably pricier than some other services, I think they charge $24.95/month for daily pulls.

    Even though I took advantage of what the above mentioned services were used for I do regret it. I could've put that money elsewhere. I admit I was going to even do the AMEX backdating trick which has been closed now. It's going to be interesting to see if they correct all the dating on the reports eventually. While these methods did help rebuilders and those experienced out a lot; it seems like they're trying to even the playing field for everyone now by taking away all the loopholes. I am 100% positive authorized users is next on the chopping board.

    For that I'm not mad. Why they didn't fix all of this before now is a mystery. And that's all I want to say on the matter really.