Whoa. Best daily monitoring service yet!

[SmartCookie]

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BlkRusshin wrote:
So are the scores on privacymatters.com all FAKOs or FICOs?

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FAKO

[Anonymous]

Ahhh thank you SmartCookie! (Esp. for the hella fast response!) So...is myFico the ONLY place to get all 3 actual FICOs? Thanks in advance!

[SmartCookie]

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BlkRusshin wrote:
Ahhh thank you SmartCookie! (Esp. for the hella fast response!) So...is myFico the ONLY place to get all 3 actual FICOs? Thanks in advance!

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There are some other places where you can get a TU FICO solo... but yeah this is the only real place to get all 3.  

Once you know what they are though, FAKOs are fine with a monitoring service as all anyone uses them for are personal knowledge of what might be going on in the reports.  FAKOs are always way off from FICOs, but FICOs are the only score that matter to creditors.

[Anonymous]

OOo ok I gotcha. Thanks again! (Bleh @ these FAKOs of mine...) Btw, your name makes me think of Christmas decorated sugar cookies. *sigh* now I want some...

[SmartCookie]

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BlkRusshin wrote:
OOo ok I gotcha. Thanks again! (Bleh @ these FAKOs of mine...) Btw, your name makes me think of Christmas decorated sugar cookies. *sigh* now I want some...

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OMG my favorite.  I have the best recipe... with that icing that gets all crackely... they just take a half a day to make.

I hear talk of National City being decent for credit monitoring.  I'm going to check that out as well.  What sort of service are you looking for?  I was making fun of True Credit before but now with their upsale offer of 30 days free and then 9.95 a month, I'm taking it for the free month.  Then moving to privacy matters unless National City might figure in. 

Hmm you need to be a cardholder with National City to get the Identity Protect... ah well..

edit: add'l info

Message Edited by SmartCookie on 10-18-2007 06:29 PM

[Anonymous]

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@SmartCookie wrote:

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@Anonymous wrote:
@Anonymous ok I gotcha. Thanks again! (Bleh @ these FAKOs of mine...) Btw, your name makes me think of Christmas decorated sugar cookies. *sigh* now I want some...

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OMG my favorite.  I have the best recipe... with that icing that gets all crackely... they just take a half a day to make.

I hear talk of National City being decent for credit monitoring.  I'm going to check that out as well.  What sort of service are you looking for?  I was making fun of True Credit before but now with their upsale offer of 30 days free and then 9.95 a month, I'm taking it for the free month.  Then moving to privacy matters unless National City might figure in. 

Hmm you need to be a cardholder with National City to get the Identity Protect... ah well..

edit: add'l info

Message Edited by SmartCookie on 10-18-2007 06:29 PM

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Actually I've been with TrueCredit for awhile now and recently gotten with privacymatters.com. I've noticed that privacymatters is too a product of TU but hey it's SIGNIFICANTLY cheaper. Probably gonna stick with that one and drop TC.

Anyways though, beyond monitoring, I need to know where my fiance and I truly stand. We plan on attempting a house search in spring '08 and I gotta know what I'm working with. According to our FAKOs, mine are better. (Gotta love dem FAKOs) But of course we can't go on tht alone. SO I'm currently working on his CR, (correcting those dang inaccuries w/ disputing, getting some PFDs & GWs out) on top of that writing essays for my marketing course and getting prepared for motherhood. Which somehow brings me back to the cookies....thanx for putting the crackely icing on my mind now. I mean I could seriously go for some good, homemade sugar cookies right about now.

So uh, your recipe wouldn't happen to be a secret would it?

[Anonymous]

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ilovepizza wrote:
The site is www.privacymatters.com. I signed up for the 1 week trial and went to cancel before the end of 7 days and was offered the whole year for 1 month of service for just $29.95. I thought National City was cheap at $9 per month. This is really cheap. They seem to be another reseller of TC.

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pizza,

Exactly what are you getting for the year? Can you monitor credit reports & FICO / FAKO scores from TU, EX, & EQ?  How does this work or does the website explain it? 

Thanks.

[SmartCookie]

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BlkRusshin wrote:

Actually I've been with TrueCredit for awhile now and recently gotten with privacymatters.com. I've noticed that privacymatters is too a product of TU but hey it's SIGNIFICANTLY cheaper. Probably gonna stick with that one and drop TC.

Anyways though, beyond monitoring, I need to know where my fiance and I truly stand. We plan on attempting a house search in spring '08 and I gotta know what I'm working with. According to our FAKOs, mine are better. (Gotta love dem FAKOs) But of course we can't go on tht alone. SO I'm currently working on his CR, (correcting those dang inaccuries w/ disputing, getting some PFDs & GWs out) on top of that writing essays for my marketing course and getting prepared for motherhood. Which somehow brings me back to the cookies....thanx for putting the crackely icing on my mind now. I mean I could seriously go for some good, homemade sugar cookies right about now.

So uh, your recipe wouldn't happen to be a secret would it?

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Much cheaper and it looks exactly the same from what I see.  You might want to try the myFico Scorewatch 30 day trial at some point to test it out but it's only EQ FICO.  I'd do it when you have things more pecked away at just so you can see any changes on at least that report/score.  When you want the FICOs I completely recommend the Suze kit with it.  PM me I always have codes that save you significant $ on them. 

LOL I have to dig up that recipe, it is awesome but it makes a bazillion cookies.  Sounds like you have your hands more than full there congrats on impending motherhood are you preggo?  If so, at least you have normal cravings.  I was eating bowls of Pringles mixed with cottage cheese and having insane cravings for Russian dressing.  Yeah... plain... russian... dressing... with a demitasse spoon.

Ok sorry to have made you all hurl.  Moving along now!

[SmartCookie]

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SmartCookie wrote:

 

I was making fun of True Credit before but now with their upsale offer of 30 days free and then 9.95 a month, I'm taking it for the free month. 

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Welp, the 30 day trial offer and $9.95/mo vs $14.95 is a completely misleading offer which starts to sell you the TU monitoring alone, not the 3 in 1 reports and score monitoring.  It is very deceptive if you aren't paying attention as they have 'virtual reps' and if you ask the bots the right trigger questions about what this offer is for, the response is triple reports and scores, all 3 bureaus. 

privacy matters here I come!

[Anonymous]

Also have the free trial (cancelling though).  The reports are easier to read than CreditKeeper but the simulator is far less user specific (with Creditkeeper I can tweak each account including limit, balance, closing it, etc and add accounts) and then see how it will affect score.  They are FAKO scores - but up is up and down is down - while setting up for a good FICO all I need to know is direction, not how much yet.  The report on CreditKeeper is fairly easy to read - some accounts don't all show up in the same grid section but that's okay.  I think it serves it's best purpose while in repair mode - to keep track of things - with Creditkeeper's sim being the one for build mode.