In an effort to fix my husbands credit, I am keeping a close eye on his credit reports and scores.
I have read the guide to Credit Monitoring on here and subsequently signed up for EliminateIDTheft. I signed up for that because I wanted a service that pulled info from all 3 credit bureau's and also where I could pull the scores daily.
However, I'm having some issues with EliminateIDTheft and have found some conflicting information.
Since I have been monitoring there have been no changes. His scores on there are TU 605, EX 553 and EQ 549. I also signed him up for CreditSesame and Credit.com. CreditSesame says that his Experian score is 692, and credit.com says it's 691. I'm wondering why there is such a big gap and variance in these scores. I realize they aren't FICO scores, but I would imagine they would be a little closer.
I'm questioning how accurate and updated EliminateIDTheft is. I got the family package so I check both mine and my husband's reports daily. Several days after signing up, I received a letter and new credit report from Transunion that is dated 4/15 that confirmed a dispute and said the tradeline would be deleted from my report, which it was on the new report. However, when I check on EliminateIDTheft, even today (4/23) the item still shows up on the Transunion report and there have been no score changes. I was under the impression that they pulled data every day and that changes would show up immediately.
Thoughts anyone?
