monitor FICO score daily..can someone help?

[Anonymous]

does anyone out there know if it is possible to monitor your FICO score weekly or monthly? if so, does this in any way affect your FICO score? any help would be greatly appreciated.

[smallfry]

Unless you want to buy your scores all the time the only way to monitor fairly closely would be Equifax Score Watch. EX and TU do not have similar offers.

[Anonymous]

thanks so much for the information! i guess i'll have to stick to scorewatch.

[haulingthescoreup]

And even with Scorewatch, after your first two freebies, you'll be paying for any others.

I found out on a different forum here that FICO has to pay the CRA's every time they generate a score, and that's why there aren't any cheap, multi-score FICO packages.

[Anonymous]

"And even with Scorewatch, after your first two freebies, you'll be paying for any others."

Can you elaborate on this?  I thought with Scorewatch, you get weekly updates of your score.  You only get two freebies of your full report, but for monitoring just the score, you get updates every time your score changes, and weekly reporting of the score itself.  Isn't that correct?

[Anonymous]

You will get an alert when your score changes-
The time frames for alerts very-
I have gotten 3 SW in a week and gone a month without one.

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@Anonymous wrote:

"And even with Scorewatch, after your first two freebies, you'll be paying for any others."

Can you elaborate on this? I thought with Scorewatch, you get weekly updates of your score. You only get two freebies of your full report, but for monitoring just the score, you get updates every time your score changes, and weekly reporting of the score itself. Isn't that correct?

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[Anonymous]

I'd rather have a scorewatch for EXP....

[CreditGuy03]

So there are no similar products like Score watch with Trans and Exp?

[llecs]

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CreditGuy03 wrote:
So there are no similar products like Score watch with Trans and Exp?

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Not really. TU offers myFICO Quarterly monitoring where you pay a monthly fee and get 4 TU reports per year, every 3 months.

EX no longer allows consumers to pull their own FICO score.

[Anonymous]

TU are now offering quarterly updates plus Fraud alerts weekly but access to your score and full report 4 times a year for $19.95 a quarter.

I am waiting for it to be a monthly thing (at a cheaper monthly cost obviously) before I am prepared to sign up for it.

https://www.transunioncs.com/TCSWeb/samples/creditMonitoringSample.do

Edit - apparently i type too slow!

Message Edited by Susyquk on 05-18-2009 08:32 AM