I did some research tonight and it seems to me that mycreditkeeper.com is the same as truecredit.com. Now I am not a member of true credit at $14.95 a month. My son is, and tomorrow I will check it out thoroughly. However, from what I could see, my credit keeper seems to be the same type of service and at a lesser price.
It is $9.99 a month. The first 30 days are free. One can cancel at anytime with a phone call to them. I signed up and am pleased with what I found.
They have offers also that are great value. Such as if you order your DMV report, and it costs money, they will reimburse you for it if you send in the proof. Same with your medical records. They help with dispute letters, and have a score simulator.
The 3 bureau reports are lined up next to each other. TransUnion's seemed to often be a separate account and not lined up with the other two, though it was the same report. Not sure what is up with that. It seemed easier to navigate the site than true credit, and the reports seemed a bit easier to read with the use of color.
One can pull their reports as often as you wish, I believe. And three FAKO scores were provided. You can see below in my signature how closely they matched.
I noticed they do not provide the creditor addresses as does True Credit, but then True Credit charges more. Oh, True credit gives 25k theft insurance, and I don't think that my credit keeper gives any. But I have that through my fico anyway.
They say they monitor your three reports daily and send an email if any accounts have been opened, derog's posted, or inquiries. The FAKO scores are only updated monthly--is that comparable to true credit?
Their simulator was quite interesting. Said if I could get a two year old collection deleted, it would raise 18 points on scoring. But a 4.5 year old collection would make no change! Both about same amount of money.
A 30 day late from Nov 2001 if deleted would raise 8 points! Deleting inquiries, no change. Use my Sears card which is at zero, charge $15 would cause a two point drop. Delete an American Express TL opened in 1985 but closed 5 years ago, paid in full, but has one 30 day late, delete it and lose six points.
An old JCP account, closed by them but paid in full, has old 90 day lates, and others , get those GW late deletes and I'd get 17 point increase!
Exciting stuff, but I don't know how accurate it all is. Anyway, the trial is free so if anyone tests it out, post and let us know how you like it.
Oh, almost forgot, they are a partner to "experiandirect.com" whatever that means.
