I have myfico now and I am pretty used to it. I ordered the 7 day trial of CCT and I got confused on how to manage my stuff in there so I cancelled. But I keep hearing that it updates more often than myfico. In your opinion whats the better bang for your buck???
If you get the half price deal with CCT, it's way better than MyFico. EX report updates daily, the other two reports update monthly. With MyFico it's three months.
The best bang for your "buck" quite literally is the CCT $1 trial. Use it twice a month and for 2 bucks you get a total of 4 3B updates with scores. From where I stand, that's very tough to beat for what you get.
If the purpose is other than monthly monitoring, then the most complete reports are usually provded at annualcreditreport.com.
I would use that site for a complete review.
However, since it is limited to only one pull every 12 months, it is obvioulsy not the answer to monthly monitoring, such as for ID theft.
The best bang for your buck is to not pay for any of these monitoring service. Use Annualcreditreport.com every 4 months for your free report - and use the free scores provided by your credit cards to look for problems. You can also use Credit Karma to take a peak at your inquiries and such, although the scores are a different useless model, you can see if there are issues and can dispute them through that site as well.
Remember your cards will only report monthly, so the score may go up or down by a few points, but there's no real benefit to check your score frequently; it won't change very much, if at all. (depending on your payment and usage patterns) Once a month is often enough and if you've got more than a few cards from different issuers, you may not be able to see your reports, but you can see your scores.
And do a search for Discover Scorecard - it's free and you don't even need Discover. A Transunion credit report every month, for free.
|TCL: $306,100||Utiliz: 6%||AAoA: 5yrs 2m||Other: Lease, Loan, *No Mortgage||Collections-Lates-BK's: 0|
Not everyone knows what CCT is....
Credit Check Total.
It's easier to clarify if there are questions in a forum format, than to type out the entire thing every single time; wouldn't be a bad idea to update the abbreviations sticky but that's not often found by our membership either.
MF culture at this point, eventually new users get integrated into it though I will fully admit that's suboptimal but it's what we have in a community forum format.