True credit

[Junejer]

---

@Anonymous wrote:
Had it for a couple months now and I love it as well. I only wish there score weren't fako's at least not for EQ.

---

I am glad that those aren't real FICOs. They are 52 points lower than my FICOs on avg.

[Anonymous]

I love how they list phone numbers and addresses for EVERYONE who reports on your credit, even for inquiries.  Sometimes it can be difficult to find out who  "Bur Col Rec"  is, but scroll down, and you will know!

[Anonymous]

Wow Byrdman my TC are higher.

[Anonymous]

My cousin told me about TC, and I'm addicted to it as well. I'm so into improving my score. I take my finances and credit scores very seriously now. Especially as I get older, and would like acquire major purchases in the future...like a house!

[Trishco]

Oh Wow!  This just reminded me to go update!!  HAHAHA....gads I need a life!  heheheheh

[nicemann]

Canceling TC because I don't like that they don't give the credit line on the reports.  Plus you can only get an update every 24 hours (and it's down to the minute).  I will keep my CreditCheckTotal since I am locked in at $19.95 a month for that.  I can pull it whenever I want and it's easier to read.

[biturbomunkie]

has anyone tried both CIP and TC? i have SW and CIP and am wondering if i should ditch CIP and get TC.

[shawnette]

---

biturbomunkie wrote:
has anyone tried both CIP and TC? i have SW and CIP and am wondering if i should ditch CIP and get TC.

---

I have and I ditched TC.  They're both pretty good but the Chase one is only $11.99 per month.  Both pull all 3 reports and give 3 FAKOs.  For me, the Chase FAKOs are about 100 points lower than my FICOs, but they seem to go up and down pretty accurately, so it's been a good gauge for what my real scores look like.  (I just add 100 pts)  My TC FAKOs were all over the place. 

[Anonymous]

I signed up for TC this past week and cancelled SW. We are doing lots of repair and it's great to see updates everyday. Our FAKOS are about 100 points lower.

[haulingthescoreup]

---

@nicemann wrote:

Canceling TC because I don't like that they don't give the credit line on the reports....

---

???

Mine do, although you have to click "More about this account" or click "Printer Friendly Version" link. I usually admire all the pretty green boxes for a few minutes and then hit the printer-friendly link to get everything to display all at once. It's pretty much all in there --DOLA, highest balance, etc.

Note: not all the boxes on my TC reports are green --there are still some yellows showing, but it's a heckuva lot better than when I started!

Another note: EQ on TC: as noted before, you get white boxes (X's on the printer-friendly version); as EQ does not report the full MM/DD/YYYY, but only MM/YYYY, it sometimes displays weirdly.

Some loans and mortgages display as having been updated on the first or last of the month, even when it was a different date. This can be true with all three reports. I have one displaying as having been updated on 5/31/2008. Ummm, I don't think so...

This sort of thing happens with just about every report re-seller, including myFICO. It's a question of how the data maps from the original report to the secondary report.