@takeshi74 wrote:
Specify exactly what you mean by "accurate". Most of the services, barring data issues than can occur, are accurate with regard to the report data provided.
If you're referring specifically to scores then your assumption is flawed. There isn't just one scoring model used by all creditors and products. There are many scoring models used that will generate different numbers even using the same report data as they evaluate report data differently andcan even have different scoring ranges. Even FICO doesn't have just one scoring model (see also the Understanding FICO Scoring subforum and its stickies).
CCT is a popular service as is myFICO. For report data Credit Karma is a popular option as it is free and provides access to TU and EQ report data with weekly updates. There are also many other services that people use for access to report data. You'd need to provide more useful selection criteria if you want recommendations to help narrow it down. Be very specific about exactly what you're looking for, what you're willing to pay, etc. How often do you need/want updates? What specific scoring model(s) do you want? Do you want fixed update intervals or are you willing to go with a trigger based service? What other info can you provide to help narrow down the options?
Also, don't overlook the countless existing threads on services that provide report data as a resource.
This is a helpful answer to the poster's question. I too am interested in streamlining my three bureau report efforts. I have signed up for so many I can't remember who's who. What I want is a report from all the bureaus monthly or more frequently if available. I would want to be able to look at all of my reports at any time that will contain the most updated info. I am assuming that an alert service that notifies me any time anything is changed on either of the 3 report would be what I need as well. If necessary I can go into each bureau but this might be more costly than a good 3 bureau report. I want more frequent than quarterly or annual reports. I want the most up to date info I can get at any time. I would like a service that has prompt alerts as some have a couple days lag time. Current scores are great but I am not that fixated with them. I would like to be in the ball park with scoring but I realize what I see is not what lenders see but I have seen scoring be hundreds of points off which freaks me out. I really want to be able to watch Equifax and TU reports closely. I have found that Experian is pretty good and the info I get is pretty current.
The other issue I have is that two monitoring/report services I signed up for pulled hard pulls. This was Privacy Guard (CIC Trilegent) and Fast3Credit Scores. Are these inquiries counted against me since the reports are for me to look at my own credit?
Can anyone make a recommendation on which service or services (if I need more than one) would best fit my needs? Thanks for any help.
