What do you guys use to monitor scores?

[Anonymous]

Our OP expressed a concern about cost, so unless he'll be buying a house very soon, myFICO is the wrong choice for him.

The ultralow cost approaches (a few dollars a year or less) described by BBS, Thomas Thumb, and others are likely to be the best for our OP.

[SouthJamaica]

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@Anonymous wrote:

Our OP expressed a concern about cost, so unless he'll be buying a house very soon, myFICO is the wrong choice for him.

The ultralow cost approaches (a few dollars a year or less) described by BBS, Thomas Thumb, and others are likely to be the best for our OP.

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Having the daily updates of the EX report and 7 EX scores for $10 mo + tax gives so much more clarity than any other form of monitoring. I consider it ultra low cost for what you get.

[Anonymous]

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@SouthJamaica wrote:

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Having the daily updates of the EX report and 7 EX scores for $10 mo + tax gives so much more clarity than any other form of monitoring. I consider it ultra low cost for what you get.

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That really comes down to the daily monitoring then, doesn't it?  I mean, for $1/mo you can get the 7 EX scores with a signup/cancel monthly.  Unless of course the monitoring also gives you daily updates to all 7 scores, not just your EX FICO 8.  That I'm not sure about.

I also think you see more value in it than the average guy because with all of your tradelines you always have "something" changing with your profile, so it's cool for you to get constant/daily updates to your report/score because guys like us like to interpret the changing data.  I think we're in the minority though relative to the whole, where that level of monitoring perhaps isn't as necessary for the average guy.

[Anonymous]

It’s a waste of money to keep a paid credit monitoring service unless you actually value the data or have a mortgage or another app that requires all those scores. Paying $1 a month or every other month and then using Experian app, CK app, and WalletHub app covers all of your bases. I would rather spend $6-12 a year than $120-480.