@Anonymous wrote:
@ScoreBooster wrote:The service USAA delivers is the best bang for the buck. Period.
I don't care about their scores - it's the information about the accounts that can be updated daily is what makes this service so valuable.
Yes, its the information about the accounts that can be updated daily that makes this service the best bang for the buck. My husband and I are in rebuilding mode and we haven't even got any FICO scores and we won't have any for a long, long time. But, we definitely want to closely monitor what our credit reports say. Its a wonderful thing to be able to call up all 3 reports any day of the week and see what kind of progress is being made from all our hard work with PFDs and GWs.
We are very happy with the credit monitoring service from USAA.
Take a look at EIDT. They are the same price as USAA but they have the option to add your spouse for $5, so you two can monitor both of your credit reports for $17.95 vs. $25.90 with USAA. I don't know about you but I'll save $9 a month for the same service.
USAA/EIDT are both a great value. You get a complete report across all three CRA's for $13 a month. Any fraudulant activity you are aware of withing 24hrs. If you are rebuilding it's very easy to keep track of things. Yeah, the scores are worthless and that's well known. You have to come here to get two of them and really only one is accurate.(With all the different TU models being used you don't know who's looking at what) With all the ID Fraud going around. If your not doing any rebuilding so you changes aren't often then a more handsoff service like lifelock may be a better option. Considering the amount of damage ID theft can cause and the difficulty that it takes to correct with the corresponding financial impact it can cause I look at the $13-$15 spent on one of these services as dirt cheap insurance.
@boomhower wrote:Take a look at EIDT.
My husband and I like the USAA product because you can pull a report EVERY DAY and, for us, its fine that we are only getting my husband's CR because he's the only one with any income. I have my 3 reports that I got from the annualcreditreport website and saw that there was an erroneous Tax Lien that I'm working with my state AG to get deleted. Other than that, my credit reports don't have any TLs. I have no income so, we are concentrating on my husband's CR and we're working towards generating a FICO score for him. We recently applied for 3 secured CCs and, just yesterday, we received an alert that they are FINALLY starting to report. It was terrific to be able to call up the report and see the CCs reporting all across Experian, Equifax and Transunion.
I am an AU on all my husband's CCs so that will generate some TLs for me on my reports which I will pull and check out in the New Year (2012).
There's a product out there that fits each person(s) particular need. EIDT works for you boomhower and, USAA works for us. its all good!