Replacing CreditKarma for credit report monitoring

[xenon3030]

It is almsot half a year that the CK website has a glitch or bug and it does not let the users to login. It asks users to go through a SMS verification, followed by providing DOB and SSN. Since they could not fix a simple thing like login after several months, I am also concerning about the way that they collect lots of personal data and whether they can protect them.

I like to review my credit reports across three credit bureaus in a weekly basis to prevent fraud or identify the credit issues early. For EX, I use the Experian website. What are the recommendations to review the credit reports from EQ/TU, to potentially migrate from CK?

PS: I do not mind about Fico/Vantage scores. Any score is fine. I only want to review my credit reports. A no fee method is preferred. 

[CreditCurious]

All three bureaus have options for free access to credit reports.

Equifax provides a Vantage 3 score, and I believe the credit report is updated monthly.  

Transunion does not provide any score, the report is generated upon request when you log in.

[DoppelgangerD]

I do believe Capital One's  "Credit Wise" will show you your current Transunion report/info and also includes a Vantage score.

It seems to update instantly whenever there is a change to your TU report and has options to send you notifications whenever there are changes.

The app is free and I don't think you have to be a C1 customer to use it.

[GZG]

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@DoppelgangerD wrote:

I do believe Capital One's  "Credit Wise" will show you your current Transunion report/info and also includes a Vantage score.

It seems to update instantly whenever there is a change to your TU report and has options to send you notifications whenever there are changes.

The app is free and I don't think you have to be a C1 customer to use it.

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can confirm, Credit Wise from cap1 will update daily and it has a pretty clean interface 

you can get a full free actual report direct from TU every 24 hours: https://service.transunion.com/ 

for equifax, I pay the $5/month for myEquifax, which offers a daily report as well 

[Brian_Earl_Spilner]

Myfico offers EQ fico 8 and report updates every month. Wallet hub is an option that is pretty much a credit karma clone. Not sure why you're having issues. I can log in no problem. Just did the other week. 

[DoppelgangerD]

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@Brian_Earl_Spilner wrote:

Myfico offers EQ fico 8 and report updates every month. Wallet hub is an option that is pretty much a credit karma clone. Not sure why you're having issues. I can log in no problem. Just did the other week. 

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I wonder if it has something to do with frozen credit reports.

I've never used CK before, and see it mentioned so often that I got curious enough and tried to sign up.

However after having major login issues, I started chatting with support, and turns out you can't use it if your credit report is frozen.

I told them I wasn't going to unfreeze my credit and they said I couldn't use CK unless I did, so I just had them delete my account.

[ForwardLooking]

Just go straight to each bureau or use www.annualcreditreport.com to get your reports.  You can pull all 3 weekly at www.annualcreditreport.com.  You always want to verifiy from the "truth of source" and not 3rd party agrigators.  Credit Karma can be screwy and unreliable anyway.  They had a data merge issue for my equifax report just yesterday and their data was not in line with what equifax was showing in their report. 

[xenon3030]

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@Brian_Earl_Spilner wrote:

Myfico offers EQ fico 8 and report updates every month. Wallet hub is an option that is pretty much a credit karma clone. Not sure why you're having issues. I can log in no problem. Just did the other week. 

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Several users had issues with CK login in the past months (one example is below). If their system design is like "Ali Baba's cave" , I have also concerns on data protection and the other things in the services that they should provide to customers. 

https://www.reddit.com/r/IntuitCreditKarma/comments/1ar5sud/cant_log_into_account/

[xenon3030]

The best ways to get "comprehensive credit reports" without fee are possibly via Experian and Trueidentity (TU, daily update).

I am looking for similar reports for EQ.

PS:  The Cap1 does not give comprehensive credit report (I want to check the balance on each CC). The AnnualCreditReport website needs lots of forms with SSN. I do prefer to avoid filling such forms.