I want to start monitoring my credit score daily but where? The free ones are weekly or monthly

[Anonymous]

I'm in the process of getting a mortgage and I have been pre-approved by a broker. Don't know my interest rates or anything.

I want my score to be above 700 before closing.

Which website and monitoring service should I be using so I can improve my score?

Also is it too late? I'm putting an earnest money offer on a home tomorrow.

TIA

[AllZero]

@Anonymous.

Free mortgage scores
UNOFFICIAL LIST of credit cards and which score they provide

[Anonymous]

Since you're going for a mortgage, it's worth paying for the myFICO subscription. That's the only one that's going to alert you when your mortgage scores change. 

It is $40 a month but there is nothing else like it. You get a monthly score update and score updates when a scoreable event happens. 

https://secure.myfico.com/order/start?product=3BM_PMR_M_M&_ga=2.172188325.704930419.1581415832-91749...

[Anonymous]

I was hoping there's another credit score monitoring that is cheaper than $40 but I guess I have no choice. I'll subscribe to it then. Thanks.

[Anonymous]

You can get the quarterly updates for $30 a month because it still updates when scoreable events happen but if you want to monitor your mortgage scores, myFICO is the way to go. 

[AllZero]

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@Anonymous wrote:

I was hoping there's another credit score monitoring that is cheaper than $40 but I guess I have no choice. I'll subscribe to it then. Thanks.

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$1 too much? Experian.com or creditchecktotal.com for 3B FICO 8 plus EX 2 score and reports. Cancel in 7 days or less to avoid the re-occurring monthly charge.

[Anonymous]

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@AllZero wrote:

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@Anonymous wrote:

I was hoping there's another credit score monitoring that is cheaper than $40 but I guess I have no choice. I'll subscribe to it then. Thanks.

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$1 too much? Experian.com or creditchecktotal.com for 3B FICO 8 plus EX 2 score and reports. Cancel in 7 days or less to avoid the re-occurring monthly charge.

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EX 2 is not enough. 

At a minimum you need two of them updating monthly so you'll know your middle is at least what the lowest of the two is but seriously, it can cost you a fortune in interest not optimizing your scores, well worth paying the $30 or $40 a month to save money in the long run and actually know what your score is. 

[AllZero]

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@Anonymous wrote:

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@AllZero wrote:

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@Anonymous wrote:

I was hoping there's another credit score monitoring that is cheaper than $40 but I guess I have no choice. I'll subscribe to it then. Thanks.

---

$1 too much? Experian.com or creditchecktotal.com for 3B FICO 8 plus EX 2 score and reports. Cancel in 7 days or less to avoid the re-occurring monthly charge.

---

EX 2 is not enough. 

At a minimum you need two of them updating monthly so you'll know your middle is at least what the lowest of the two is but seriously, it can cost you a fortune in interest not optimizing your scores, well worth paying the $30 or $40 a month to save money in the long run and actually know what your score is. 

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I agree. Giving the guy/gal options. He/She on a time crunch if earnest money going tomorrow.

[Anonymous]

Thanks, I'll subscribe to Experian too for the $1 intro.

I actually got an email from Experian free account about my score update from my disputes and it's 731 now! 😯 A few hours ago it was 695. I know it's not the exact score the lender use but knowing it'll increase is great!

Noob question: do I have to dispute with TransUnion and Equifax too or would the two collection account remove it from those two?

Cause I've tried this past few hours trying to log in to both but I need to call customer service cause it won't let me log in so I don't know if it's removed on them.

I also need to call myfico tomorrow since they're closed to confirm my identity to get my score.

I'm in the dark as of now whether all 3 bureus increased or just Experian. Experian was the middle score of the 3 that my lender went off of.

[donkort]

Experian does provide the actual FICO 2 mortgage score used by Fannie Mae/Freddie Mac mortgage lenders.  And various credit card and auto scores--but only for Experian.