which company to watch scores & CR

[bott6698]

I have found the TC REPORTS ONLY are accurate,. The scores are fako scores and mean absolutely nothing but the reports are accurate that I have found.

I pull my susy orman kit once per month with a coupon it is 40 bucks and I get all three reports and all three fico scores but I know that is expensive so modern has another less expensive solution

Modern, I didn't know there was a TC monthly monitor fico score from my fico. LOL where do I find that?

[llecs]

Try this....info might be a bit outdated, though.

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&message.id=5457

[modernsurrender]

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bott6698 wrote:

I pull my susy orman kit once per month with a coupon it is 40 bucks and I get all three reports and all three fico scores but I know that is expensive so modern has another less expensive solution

Suze is too expensive for me!  Single mother of 1, living on $9 an hour, working at most 25 hours a week because of lack of childcare.  Plus, I'm not particularly looking to DO anything with my credit at the moment other than improve it haha 

Modern, I didn't know there was a TC monthly monitor fico score from my fico. LOL where do I find that?

Say that to me one more time, a little slower, I'm blonde haha.  Was that about the TU quarterly monitoring thingy?  Or the EQ discounted scorewatch?  I'm so confused haha (don't worry though it doesn't take much to confuse me!)

[bott6698]

lol np... Ya I was talking about the TC quarterly monitoring that you mentioned. I didn't think those were actual fico scores are they?

[momof2]

Ok now I am getting confused about which one to buy, i want to repair my credit but at the same time i want to know what my FICO score is, and what website do i go to to, to sign up? if i am getting this right, i can go with TC and get only my accurate CR but a fake FICO score  and if I go with SW i only get access to my equifax report and score. I am getting this right???

[modernsurrender]

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bott6698 wrote:

lol np... Ya I was talking about the TC quarterly monitoring that you mentioned. I didn't think those were actual fico scores are they?

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Yeah, they're Fico scores.  I'm not really impressed with it tbh, it doesn't actually give you updates in between the quarterly updates (at least not from what I've seen.) So I'm looking at it more or less as in installment plan to get my TU reports and scores pulled automatically every 3 months and compared for me haha.  Basically, it'll stop me from pulling it every month myself

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momof2 wrote:

Ok now I am getting confused about which one to buy, i want to repair my credit but at the same time i want to know what my FICO score is, and what website do i go to to, to sign up? if i am getting this right, i can go with TC and get only my accurate CR but a fake FICO score  and if I go with SW i only get access to my equifax report and score. I am getting this right???

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TrueCredit.com = Real reports, Fake scores

Scorewatch you can get here or through EQ (again I have a link for a discount with EQ) it is ONLY your EQ report and Score, but from what I've seen the scores have been the same here with MyFico as with the EQ version.  You get your scores updated as they change, but you only get TWO reports.  One when you sign up, and one to use as you please at a later date.

[bott6698]

Yes you have it 100% right. If you have the money to spend you can order either suze ormans kit or fico complete if you want to know what your true fico scores are right now with all three cra's and also see all the reports. But even if you google for a discount code your still looking at like 40 bucks.

If you just want to see your reports truecredit.com is a viable option and is only about 15 bucks per month and you can pull multiple reports per month but the fako scores they give you won't mean anything.

I hope we helped clear this up and sorry for the confusion.

[momof2]

so the one that you only get to see your CR and score twice is the my fico website.

 I just looked over all 3 of my reports that i have in hand and realized that ALL my creditors are reporting to experian and only some of them to EQ and only a few to TU, so i guess my main one is EX does EX have a credit report and score watch system that you can look at any time rather then the other thing you said you only get to check 2 times, which sounds like a rip off if your paying a monthly fee and only get to view your CR 2 times.

[modernsurrender]

I haven't come across anything for EX, I use TrueCredit and when I see enough significant changes I pull a new report here with a coupon code. 

[momof2]

wait if you pay a monthly fee to see your CR then what do you need a coupon code to pull your CR for?