Economical Approach to Staying on Top of Your Credit Scores and Reports

[Anonymous]

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idontlikeforms wrote:
Actually what I have is MFSW. Sorry didn't identify it correctly.

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If you have a MyFico discount code, you could cancel SW, wait a day, then sign up with the discount. Ask about whether you'll get a refund.

[Anonymous]

IC. In that case I'll wait till my 3 months are up and then do it. Do you know if it keeps my old scores on the score chart when I resign up?

[Anonymous]

Of all these, Nat City, Chase, TC. Do any others allow daily pulls?

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@Anonymous wrote:
TrueCredit from TransUnion

• Trial period: 30 days (for TU report only)
• What are offered:
  • Unlimited access to all three credit reports and credit scores
  • Notification within 24 hours of critical changes to all 3 reports
  • $25,000 ID Theft Insurance at no additional cost
  • No obligation, cancel anytime.
• Regular:
  • $14.95 per month

ScoreWatch from Equifax [Affiliate link]

• Trial period: 30 days free
• What are offered:
  • Continuous score monitoring and notification when a change in FICO score impacts the interest rate you are likely to receive
  • Daily monitoring of Equifax credit report with email notification of key changes
  • Two Free Score Power reports plus discounts on additional Score Power reports
• Regular:
  • $8.95 per month

CreditExpert from Experian

• Trial period: 30 days free
• What are offered:
  • Daily monitoring of your credit report and alerts of key changes alert you of potential fraudulent activity.
  • Unlimited access to Experian Credit Report and PLUS Score with paid membership.
  • Receive instantly personal credit report and credit score online
• Regular:
  • $9.95 per month
  • One-time purchase: 3-bureau credit report and a credit score for $34.95, Experian credit report and PLUS Score for $14.50

ScoreWatch from MyFico [Affiliate link]

• Trial period: 30 days free
• What are offered:
  • Credit monitors important changes to your FICO score and Equifax credit report
  • Alerts when important changes are detected
• Regular:
  • $89.95 annual fee

IdentityMonitoring from Citibank

• Trial period: 30 days free
• What are offered:
  • Credit Monitoring every business day to keep track of your credit file activity
  • Alerts when there’s certain activity, allowing you to detect fraud
  • Credit report and score free with enrollment
  • 3-in-1 credit Report, score and monitoring access at no additional cost
  • Reimburse up to $25,000 of eligible identity theft recovery expenses
• Regular:
  • $12.95 per month

CreditKeeper from HSBC

• Trial period: 30 days free
• What are offered:
  • Unlimited access to your credit reports and score
  • Daily automated credit monitoring to alert you to changes on your credit reports
• Regular:
  • $9.95 per month

CreditSecure from American Express

• Trial period: 30 days free, for AMEX cardmembers only
• What are offered:
  • Unlimited access to 3-bureau credit report and Credit Scores from all 3 bureaus after the trial period
  • Daily monitoring of all three credit reports with an e-mail alert when critical changes are detected
  • Identity Theft coverage policy for up to $5,000 per occurrence
  • Track your score each month with Experian PLUS Score Trending
• Regular:
  • $11.99 per month

IdentityGuard from Costco

• Trial period: None
• What are offered:
  • 3-in-1 credit report & 3 credit scores
  • 3-bureau credit monitoring & alerts
  • Monthly credit report & score
• Regular:
  • $9.49 per month for Gold Star members and $7.49 per month for Executive members

PrivacyGuard

• Trial period: $1 for the first 2 months
• What are offered:
  • Credit report from 3 credit reporting agencies
  • Credit score instant access from 3 credit reporting agencies
  • Daily monitoring of credit
  • Up to $10,000 reimbursement for certain expenses you incur if your identity is stolen
• Regular
  • $129.99 annual fee
  • Single-bureau credit report for $9.99, three-bureau $34.99

PrivacyMatters

• Trial period: 7 days free
• What are offered:
  • Unlimited to 3-in-1 credit report
  • Triple credit scores, showing all three credit scores from the national credit reporting bureaus
  • Triple bureau credit monitoring with automated e-mail alert whenever new activity that may affect your credit report or credit score occurs
• Regular:
  • $29.95 per month
  • One-time purchase of 3-bureau credit report for $29.95

Identity Protection from Chase

• Trial period: None
• What are offered:
• Unlimited access to all three credit reports and credit scores
• Notification within 24 hours of changes to all 3 reports
• $10,000 ID Theft Insurance at no additional cost
• Regular:
• $11.99 per month

Identity Protect from National City

• Trial period: $1 for first 30 days (not available to New York residents)
• What are offered:
• Unlimited access to your individual triple bureau credit report 24 hours a day, 7 days a week
• Daily online monitoring with weekly activity alerts delivered to your email address from TransUnion -- a mailed option is available
• Unlimited access to your personal credit score from TransUnion (a FAKO likely)
• Recovery counseling and identity restoration service
• Up to $25,000 of Identity Fraud Expense Coverage at no additional cost to you
• Regular:
• $8.95 per month or $14.95 per month for you and your spouse

Message Edited by Noah_Bodie on 09-01-2007 11:22 AM

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[Anonymous]

ilovepizza wrote:
Of all these, Nat City, Chase, TC. Do any others allow daily pulls?

Good question. ALWAYS, ALWAYS, ALWAYS ask and keep asking if no one knows. The monkeys who answer the phone may not know and could give you the wrong answer in order to get you to sign up.

I'm told Costco doesn't allow daily pulls, but I don't know personally.

From what the EX monkeys told me, each pull costs.

[Anonymous]

I'm working off all my Pizza calories tonight. I am on a hunt for more services that do unlimited updates. I may have found a new one.

http://www.identityprotector.com/

Has anyone heard of them? I spoke to 2 employees there and they confirmed "unlimited daily full CR updates" like TC.

So far I have 4+2 more monitoring services on the way.
1. TC/Walmart
2. Chase
3. Nat City
4. MyFICO

5. New - Discover
6. New - Identity Protector

Is 6 too many? lol. Well actually just 4. I just signed up for 5+6 and won't be able to test them for 2 weeks until the package arrives to log in. But 1-3 definitely do daily pulls. 4 is MyFICO for real scores.

But I would really like to hear if anyone knows about http://www.identityprotector.com/.
Thanks
Pizza

[Anonymous]

so are there any services that allow you took get unlimited pulls from all 3, or even limited pulls, like once or twice a month, but real fico's?

[fused]

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ryguyasu wrote:

so are there any services that allow you took get unlimited pulls from all 3, or even limited pulls, like once or twice a month, but real fico's?

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Nope

[Anonymous]

so i keep hearing complaints about the mfsw and how it doesn't always report accurately and timely.  is it worth it to just use some other fako site and get daily pulls?  i really don't care about the actual score as long as i can check something accurately showing anything that shows up on my CR

Message Edited by ryguyasu on 09-18-2007 07:29 PM

[haulingthescoreup]

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@Anonymous wrote:

so i keep hearing complaints about the mfsw and how it doesn't always report accurately and timely. is it worth it to just use some other fako site and get daily pulls? i really don't care about the actual score as long as i can check something accurately showing anything that shows up on my CR

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You're going to hear a lot about people being banned by TrueCredit, but others haven't been, even with daily pulls. They haven't hit me yet, but I've only been doing this a couple of weeks. Anyway, I do daily pulls of reports on TrueCredit, and only when I see something big happen on credit reports do I pay for FICO scores. My ScoreWatch went into a coma, too, although it seems to be showing signs of life with my daily pulls on TC. Don't know if it's coincidence, or stirring up the electrons.

Whatever you do, if you go with a non-FICO monitoring service, resist the siren call of their FAKO scores. Some people have FAKO's lower than their FICO's, but my FAKO's are always at least 30 points higher. And they're utterly meaningless.

Anyway, that's a semi-economical setup that's working for me, for now. YMMV.

[Anonymous]

Ilovepizza

it appears that idenityprotection.com

is based out of the UK

that is from the domaine reg. don't know how much I would be allowed to post.

I looked them up in Who Is

 CPP Group PLC   
   don't know what they do otherwise

don't know if you would need a Uk based frim to monitor your credit or not???

Moriah