Which site to track score?

[Roxlie]

Hi folks, I read somewhere on here that most people use Score Watch to monitor the FICO score. If I understand correctly, it only reports EQ? Is there a better way to go or is Score Watch the best to go with?

Message Edited by Roxlie on 05-13-2008 11:28 AM

[FICOfit]

Scorewatch is the only one with real FICO scores.  Everywhere else is FAKO.  You can only monitor EQ on scorewatch, but you can purchase TU and EX if needed and they are the real scores.

[BungalowMo]

I have read quite a few threads lately about how scorewatch doesn't always update you exactly when you'd expect it to.  Just another option to check into is getting all 3 reports thru true credit.  For about $15 per month, you can get a new report every 24 hrs.  You can at least monitor changes to the report for fairly cheap.  It gives you fako scores which are ok, but not to be totally relied upon.

I have it & so do a handful of others. Just another tool to use.

Mo

[Roxlie]

Thanks very much for the suggestion. I think I'll go with that and just obtain real scores every quarter or something.

[Anonymous]

When using any of these above websites, do they "hurt" your credit or do inquiries? Or is it ok to use?

Right now I get some free credit profile thing with a FACO from WAMU online and reports only TU.

Thanks!

[llecs]

---

Sushi wrote:

When using any of these above websites, do they "hurt" your credit or do inquiries? Or is it ok to use?

Right now I get some free credit profile thing with a FACO from WAMU online and reports only TU.

Thanks!

---

No harm at all. Only soft inquiries are produced and they don't hurt you.

Actually WAMU offers a PFICO score which is real and used for credit card-emphasized scoring.