Dropping USAA CreditCheckMonitoring

[buildingitbackup]

It was useful to begin the rebuiliding process and view changes but overall I was disappointed with the "score estimator". 

[llecs]

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@buildingitbackup wrote:

It was useful to begin the rebuiliding process and view changes but overall I was disappointed with the "score estimator". 

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Their simulator has zero relation to FICO scoring anyway. Predicting a FAKO is useless, IMO. I've used the CCT version and the report info is good. But as you say, when done with rebuilding, it becomes less important.

[buildingitbackup]

What do you use currently?

[llecs]

MyFICO's TUQM and SW. I also use EIDT's My Privacy Matters for daily access to the CRs to monitor in between the alerts for SW and the quarterly updates for TUQM. I ignore the scores of course.

[Anonymous]

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@llecs wrote:

MyFICO's TUQM and SW. I also use EIDT's My Privacy Matters for daily access to the CRs to monitor in between the alerts for SW and the quarterly updates for TUQM. I ignore the scores of course.

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llecs: Is there a "history" or AAofA area in My Privacy Matters?  There definitely is in the USAA product but, I'm told there is not with the My Privacy Matters product. 

[llecs]

The EIDT:MPM product is like the old TC product. I don't think there's a section in there for history or AAoA. There are other links, but my focus is on the report itself. I do keep a spreadsheet that tracks AAoA and length of history. That's automatically updated each month. Most CMSs will incorrectly calcualte AAoA by excluding closed OC accounts. CreditKarma does that. .

[Anonymous]

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@llecs wrote:

The EIDT:MPM product is like the old TC product. I don't think there's a section in there for history or AAoA. There are other links, but my focus is on the report itself. I do keep a spreadsheet that tracks AAoA and length of history. That's automatically updated each month. Most CMSs will incorrectly calcualte AAoA by excluding closed OC accounts. CreditKarma does that. .

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Thank you! 

[bichonmom]

Ilecs, we have very similar plans. I have USAA CMS, EQ SW, and just switched from myFICO TUQM to Walmart FICO. I'm curious about your EIDT CMS. I read the CMS thread, and looked at the EIDT website. It seems very similar to USAA. Are there any benefits to the EIDT that USAA doesnt have? Im just wondering if it would be a better CMS.

Thanks!

[llecs]

The report format is different, but as you say, the plans are similar. You can pull all 3 daily in the form of a 3-in-1. The report info is fairly similar. IMO, the reporting and formatting is a little more accurate with the EIDT product. I used to have CCT and they always mixed up my HSBC accounts. You'd look at one row and literally see 3 different accounts sometimes. Kept having to scroll up and down to compare. On the flip side, you literally have to log in 3 times with EIDT to get access to your reports. You have to log in with EIDT, MPM, and TransUnion Interactive to get access.

[mAndrew1980]

I use USAA monitoring because I have a lot of activity on my reports right now. But yes the FICO scores are BS. Once my reports are completely clean I'll be dropping it as well.