How often do you pull your own credit when rebuilding?

[jetsfan2013]

With sites that will let you pull your credit on a daily basis out there, how often when rebuilding do you review your credit? Do you use a paid service or just a free one initially?

[hoping2rebuild]

I use scorewatch from here and only pull my report once a month or so unless something BIG happens to my score

[jetsfan2013]

what made you choose scorewatch if you dont mind me asking? I am in the process of selecting a product for 2013

[chasmith]

For reports I use the Experian service through USAA.  The scores are FAKO and I mostly ignore them but I pay for the unlimited pulls to be able to check when things have reported.  I'm not pulling as frequently and when the current year at a discount for unlimited pulls passes I may let it drop back.

For scores I have scorewatch through NFCU, it gives me an updated EQ FICO score if my score changes.  I now get a monthly TU FICO score through my Walmart Discover Card.

I do plan to buy EQ and TU score reports January 1 for a baseline.

[NewbieReed]

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@chasmith wrote:

For reports I use the Experian service through USAA.  The scores are FAKO and I mostly ignore them but I pay for the unlimited pulls to be able to check when things have reported.  I'm not pulling as frequently and when the current year at a discount for unlimited pulls passes I may let it drop back.

For scores I have scorewatch through NFCU, it gives me an updated EQ FICO score if my score changes.  I now get a monthly TU FICO score through my Walmart Discover Card.

I do plan to buy EQ and TU score reports January 1 for a baseline.

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Chasmith, what service thru NFCU provides scorewatch? Or is it through a CC tha u have with them. I have the nRewards card with NFCU and Im searching for a monitoring service too. 

Thanks! 

[awdsmama]

If I have DV or GW letters outstanding, I check EX/TU daily :-)   I have unlimited pulls directly thru EX and TU. 

 I also have SW here on myFico for EQ as well as quarterly TU for the score. 

I also have Credit Karma since it's free...it has actually given me updates before TU does...of course the score is junk but that's fine.

[chasmith]

From the NFCU Home Page select "Member Specials and News" from the upper right.  They offer several Equifax services including Scorewatch, which I believe is the same as offered by MyFICO.  There's a significant member discount, if you have any NFCU product it means you're a member so it shouldn't ne a problem to use it.

[NewbieReed]

Chas, thanks so much! I had no idea about this discounted service.