Credit monitoring and myfico question

Smooth954 · ‎08-23-2013

What credit monitor would you recommend and whats the service cost and benefits. also if I purchase a myfico score here for 19.95$ does that come with a credit report?

Myfico (7/16/14): EQ:736, EX:678(Prosper 7/16/14), TU:691(5/29/14)
Wallet:

Shogun · ‎08-23-2013

Here is our CMS monitoring guide it should give you more information on choosing. Good luck!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

llecs · ‎08-23-2013

@Smooth954 wrote:
What credit monitor would you recommend and whats the service cost and benefits. also if I purchase a myfico score here for 19.95$ does that come with a credit report?

And to add, if you are shelling out $19.95, then you're purchasing the FICO Standard one-time report product of your choosing (EX, TU, or EQ). That comes with your CR and your corresponding FICO. The report isn't as detailed as the CRA's but similar to any other 3rd-party report product out there. None of the soft inquries, full 7-yr payment history, etc. show. It does show all of your TLs for that report, the last 2 active years of payment history, hard inquries, FICO score, pos/neg scoring factors, etc.