USAA Monthly Monitoring

[Deltadog03]

Do they HP or SP when you sign up for that service?  

[Anonymous]

they soft pull, but it is only a FAKO score

[Deltadog03]

Ok, thank you!  I am debating if I want only a monthly service, or a daily one as I am rebuilding my credit (although many changes have been done already)

[Anonymous]

this may help

http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Monitoring-Service-CMS-Guide/td-p/66254...

I personally don't see the need to pay for credit monitoring unless you get a FICO score, creditkarma monitors your credit report for free, and wil alert you of changes, and gives you a free FAKO score, I have been using USAA's credit monitoring, but that was before I even understood the difference between FAKO and FICO and plan on canceling it this month, and just using CK, and maybe buying my FICO scores every so often, or maybe doing the myfico quarterly monitoring 

[Deltadog03]

great points everyone!  Thank yall......and sorry for posting this in the wrong thread...I should know better

[Anonymous]

no problem, now you've really got me thinking about how I'm going to get my FICO scores, I don't want to do the myfico.com score watch just because I don't need the updates, and I just want to get a FICO score maybe once every 3 or 4 months, do you think I should just do the myfico quarterly? Or is there a better option? 

[Deltadog03]

I would say the Quarterly would be really good for you then!  

[Anonymous]

Looking into it more, I think I will just get the FICO standard from myfico about every four months, that way, it comes out to 5 dollars a month but I get TU and EQ FICO scores and reports, and I also have my free accounts with CK and CreditSesame for updates on my reports just to make sure no one is stealing my identity haha

[Anonymous]

damn, just realized its 20 for each, so 40 for both reports. maybe ill just get both like twice a year

[nicholasyud]

Here is what i do when i rebuild my credit :

1. Sign up for Fico Equifax score which give you an alert everytime a change or something going on with your credit profile
2. Creditchecktotal or some other credit monitor such as Credit Karma, Quizzle give you free credit monitor but i paid $9.99 for unlimited pull for creditchecktotal. There also some other option for credit monitor out there. Look at the above link then its should guide you there.