what's a good 3 bureau monitoring service???

waynes1982 · ‎06-27-2015

Morning All,

Whats a good 4 bureau monitoring services that gives you access to your scores, and allows you to view your three credit reports on a daily basis? I have USAA Credit Monitoring premium, and it's changing and will only allow me to pull my report once a month starting in 45 days. I like to pull it daily to see what's been updated, what my utilization is, and if there's been and changes at all.

Can anyone recommend a product for me? I was looking at the myFICO 3-bureau report for $24.95, and thats what I currently pay and would like to stay in that price range as well.

Thanks for the help.

Gardening since 06/01/2016

Anonymous · ‎06-27-2015

Not sure about every day in that price range.

CreditCheckTotal gives an EX report and score daily. TU and EQ scores and reports 3 times a month. It's $29.95/month, but if you call to cancel within your 7-day trial they will give it to you for $14.97/month.

Pway · ‎06-27-2015

I agree Credit Check Total is excellent. I had the 7 day trial and I continued the membership and I got the 14.97 as well. They are giving your true fico scores.

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.

Anonymous · ‎06-28-2015

@Pway wrote:
I agree Credit Check Total is excellent. I had the 7 day trial and I continued the membership and I got the 14.97 as well. They are giving your true fico scores.

Is that it? just call within 7 days when you try to cancel they will make you an offer? is it just for 1 month or every month 14.95?

EW800 · ‎06-28-2015

@Anonymous wrote:
@Pway wrote:
I agree Credit Check Total is excellent. I had the 7 day trial and I continued the membership and I got the 14.97 as well. They are giving your true fico scores.

Is that it? just call within 7 days when you try to cancel they will make you an offer? is it just for 1 month or every month 14.95?

Many people have reported that they are offered the $14.97 deal for two years when calling to cancel. I went about it slightly different. I called when I was about 4 or 5 days into the 7 day trial period, explained that I really liked the product, but thought that $30/mo was too high. Immediately, the rep that I spoke to stated that she could lower it to $14.97/mo for two years. It appears it is simply there for the asking. The rep also stated that it is likely that after the two years there would be other discounts available, but obviously could not guarantee it.

I like what I see with CreditCheck Total so far. I am receiving alerts, Experian updates each day, as well as the ability to have a 3-bureau report with FICO 8 scores, three times a month. Appears to be a very good deal. The only thing I have not figured out yet is if any unused 3B reports carryover to the following month, or if we lose them.

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

Anonymous · ‎06-28-2015

Eliminate ID Theft gives you daily pulls on all 3 bureaus for $12.95/month. They give you scores, but they are FAKOs.

Anonymous · ‎06-29-2015

@Anonymous wrote:
@Pway wrote:
I agree Credit Check Total is excellent. I had the 7 day trial and I continued the membership and I got the 14.97 as well. They are giving your true fico scores.

Is that it? just call within 7 days when you try to cancel they will make you an offer? is it just for 1 month or every month 14.95?

The offer is good for that price for the next 2 years and you can cancel any time.

takeshi74 · ‎06-29-2015

@Pway wrote:
They are giving your true fico scores.

Note that CreditCheck Total provides FICO 8 scores. While FICO 8 is a FICO it is not the only "true" FICO. As always, make sure you're considering the specific scoring model. Creditors use a number of FICO models. See also the Understanding FICO Scoring subforum and its stickies.

@waynes1982 wrote:
Whats a good 4 bureau monitoring services

I'm not sure any of the ones mentioned montor 4. They do, however, monitor the big 3.

ddemari · ‎07-02-2015

usaa credit monitoring is basically the same as amex credit secure except usaa sent me an email the other day saying they are lowing the price to 12.95.

Anonymous · ‎07-05-2015

I use multiple services:

Capital One = Transunion
Credit Karma = Equifax & Transunion
Credit Sesame = Experian
Discover = Fico
Walmart = Fico

ID Guard = All 3 (TU, EQ and EX)

Identity Guard is the only one I pay for. Im on some weird plan that is $16 per month with all three scores updated monthly but they have a ton of different options. I think costco members get it free or something. I signed up for the basic plan and then called every 60 days or so and said I wanted to cancel because it was too expensive. They kept lowering the price and offering different things.