Which sites and applications do you monitor with?

[Anonymous]

I'm curious what applications the people here at these forums use to monitor their credit. Do they show your actual fico score? All three bureaus? Daily, weekly monthly updates? And really just which ones you place the most faith in being accurate. I use Creditkarma, wallethub, nerdwallet, turbo, and the experian app, in addition to the fico sections of chase, capitalone, discover, and pnc's banking apps. I've been thinking the Experian app seems to update most frequently, with even receiving notifications on my phone of an inquiry as soon as I've done an HP. Have been thinking of paying the $30 to get all three reports on that app, but was curious if this effort may be misguided and if anyone here had any better recommendations.

[SoCalifornia]

The simplest solution is creditchecktotal. You can sign up for the $1 "trial" and will receive all three FICO's, including scores and reports. Simply cancel the trial and you will still have it for a week. Rinse. Repeat as needed.

[Anonymous]

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@SoCalifornia wrote:
The simplest solution is creditchecktotal. You can sign up for the $1 "trial" and will receive all three FICO's, including scores and reports. Simply cancel the trial and you will still have it for a week. Rinse. Repeat as needed.

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+1 I do this monthly. Totally worth $12/yr. 

[SoCalifornia]

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@Anonymous wrote:

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@SoCalifornia wrote:
The simplest solution is creditchecktotal. You can sign up for the $1 "trial" and will receive all three FICO's, including scores and reports. Simply cancel the trial and you will still have it for a week. Rinse. Repeat as needed.

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+1 I do this monthly. Totally worth $12/yr. 

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Even if you were to, say, do it twice a month for some reason- you'd still be getting out cheaper for an entire year than a typical month subscription elsewhere 🤷🏽‍♂️

[Anonymous]

Exactly what I was looking for! Thank you!
Do you need a new email for each trial or do you just use the same account and are able to restart the trial as needed?

[gorgon]

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@Anonymous wrote:
Exactly what I was looking for! Thank you!
Do you need a new email for each trial or do you just use the same account and are able to restart the trial as needed?

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Just login to your account after your trial ends and it will offer it again. No new email needed.

[calyx]

While building/rebuilding, I used Credit Karma (for TU/EQ), WalletHub (for daily TU), and Experian (for EX).
I used the $1/7-10d trial repeatedly to check on scores when I was expecting things to happen.

Now that my build is done, I'm just using Experian's monitoring service (it's 24.99/mo if you go through the website, but 19.99/mo if you go through the app).  That way I can get alerts with any changes in any of the CRAs, daily EX scores, and monthly FICO8s from all three CRAs.

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[Anonymous]

Just pay for Experian or one of the MyFico monthly plans. I personally use the Experian just because it is cheaper for the family plan. Who wants to keep trying to abuse 'free trials', especially should you forget to cancel within the acquired timeframe. Some creditors provide your FicoScore however it won't update as frequently, and some provide a Vantage Score rather then Fico. I think my plan on EX was $29/month and I was given EX score/reports daily and then EQ and TU were provided monthly. The only thing that changed with my family plan was adding my husband and chlidren and rather then getting the EQ and TU monthly I receive them quarterly now. 

[Anonymous]

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@Anonymous wrote:

Just pay for Experian or one of the MyFico monthly plans. I personally use the Experian just because it is cheaper for the family plan. Who wants to keep trying to abuse 'free trials', especially should you forget to cancel within the acquired timeframe. 

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I would, because the free trials give you more than a "real" $30/membership.  And there's no worry if you fail to cancel within 7 days and get charged.  All you have to do is contact CS and they'll promptly refund the charge.  There's really no reason to not use $1 trials (over a monthly membership) IMO.

[SoCalifornia]

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@Anonymous wrote:

Just pay for Experian or one of the MyFico monthly plans. I personally use the Experian just because it is cheaper for the family plan. Who wants to keep trying to abuse 'free trials', especially should you forget to cancel within the acquired timeframe. Some creditors provide your FicoScore however it won't update as frequently, and some provide a Vantage Score rather then Fico. I think my plan on EX was $29/month and I was given EX score/reports daily and then EQ and TU were provided monthly. The only thing that changed with my family plan was adding my husband and chlidren and rather then getting the EQ and TU monthly I receive them quarterly now. 

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While that certainly is one way- the reason that I, for one, would want to 'abuse' free trials is simply because it's overtly cost efficient and if it were really abuse- both creditchecktotal and Experian, would certainly put a stop to it.

I could literally order it every day and come out cheaper with the most accurate and identical information otherwise. 

Incidentally, not a free trial, as they charge a dollar. 🤷🏽‍♂️