What services do you use to monitor credit scores?

[EW800]

Hello Freinds,  

Just thought I would start a thread to learn what services we use to monitor our credit scores.  I am hoping to learn what works best for most of us.  

I currently use:

-- MyFico ScoreWatch

-- MyFico Quarterly Montioring  (am I dumb to have both?) 

-- Discover Card Monthly Statement

-- I have a Credit Karma account, however I know the data is pretty much worthless

(I have a Cap1 card, but don't think I have seen their credit score yet)

[Anonymous]

I get EX 08 from PSECU, and TU 08 from Discover.

A lot of the answer depends on how closely you want to monitor scores, and whether you're applying for a mortgage.

If I was in the latter situation, I'd zero in on EQ 04 scores.

I also have found it a good investment to learn enough about scoring that I have less need for frequent score updates, and am less likely to get hit with an unpleasant surprise.  For example, I know that a 30-day late showing up will tank my scores by maybe 75-100 points.

[gh17]

Over the past few years, I've just used Credit Karma (obviously not real), paired up with annual credit reports and the occasional score from a lender pull.  Really recently I started noticing I could request Capital One credit limit increases with soft pulls and get a score too.

Just opened Discover & Sallie Mae, so that's going to be nice.

[Revelate]

Isn't PSECU still on '04?

Scores:

DCU membership: EQ '04

Walmart: TU '08

Scorewatch* (have a promo voucher, don't really think I'd buy it honestly as my report is hugely static but it's nice for testing random things)

Alliant: Vantage 3.0 now I guess though I don't really track it but I have had a VS score used on an underwriting decision for me so guess I'll look at it as a curiousity element

CK: by the same token, they have a VS 2.0 score which I generally don't look at it besides curiosity; the new accounts score and insurance scores are junk

myFICO: usually around the new year I'll pull the trifecta just to see and get the mark on the wall of how I did this year vis a vis Fitness challenge

Data access: 

Credit Karma - Transunion

Credit Sesame - Experian

Quizzle - Equifax once every six months (sigh, marketing)

Freebie annual pulls, which I haven't used in a while (nearly 2 years) - saving for when either CK or CS notifies me that my albatross fell off I guess, or maybe I should just regularly do around the 4th of July.

myFICO: mentioned above

I don't really focus on the scores as I know unless I do something silly (or intentional) they aren't going to move much unless I cross over a bucketing boundary and since my derogs are on for a while and I have plenty of tradelines now, I don't think that's likely to happen on a regular basis outside of maybe AAoA changes over time.

[mongstradamus]

For me i have CS,credit.com for experian monitoring and fako scores. I have SW here for EQ fico score and monitoring. Have CK for monitoring, and Discover/walmart for TU 08 fico scores. 

[DaveSignal]

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@Anonymous wrote:

I get EX 08 from PSECU, and TU 08 from Discover.

A lot of the answer depends on how closely you want to monitor scores, and whether you're applying for a mortgage.

If I was in the latter situation, I'd zero in on EQ 04 scores.

I also have found it a good investment to learn enough about scoring that I have less need for frequent score updates, and am less likely to get hit with an unpleasant surprise.  For example, I know that a 30-day late showing up will tank my scores by maybe 75-100 points.

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PSECU is EX04, afaik.  Unless you have some kind of secret deal.  Occasionally, I pull an EX08 from myFICO to see how close it is to my PSECU score.

[Anonymous]

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@DaveSignal wrote:

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@Anonymous wrote:

I get EX 08 from PSECU, and TU 08 from Discover.

A lot of the answer depends on how closely you want to monitor scores, and whether you're applying for a mortgage.

If I was in the latter situation, I'd zero in on EQ 04 scores.

I also have found it a good investment to learn enough about scoring that I have less need for frequent score updates, and am less likely to get hit with an unpleasant surprise.  For example, I know that a 30-day late showing up will tank my scores by maybe 75-100 points.

---

PSECU is EX04, afaik.  Unless you have some kind of secret deal.  Occasionally, I pull an EX08 from myFICO to see how close it is to my PSECU score.

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I did a bit of research and it does seem like PSECU is EX 04, based on what people say.

Thanks.

[DaveSignal]

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@Anonymous wrote:

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@DaveSignal wrote:

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@Anonymous wrote:

I get EX 08 from PSECU, and TU 08 from Discover.

A lot of the answer depends on how closely you want to monitor scores, and whether you're applying for a mortgage.

If I was in the latter situation, I'd zero in on EQ 04 scores.

I also have found it a good investment to learn enough about scoring that I have less need for frequent score updates, and am less likely to get hit with an unpleasant surprise.  For example, I know that a 30-day late showing up will tank my scores by maybe 75-100 points.

---

PSECU is EX04, afaik.  Unless you have some kind of secret deal.  Occasionally, I pull an EX08 from myFICO to see how close it is to my PSECU score.

---

I did a bit of research and it does seem like PSECU is EX 04, based on what people say.

Thanks.

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Yes, it is the only place to get an EX 04, and it is tricky for some people to get into this CU, making it a bit of an elite free score.

As for the topic of where I get my FICO scores,

EQ: from scorewatch... i like this service and would still use it even if I got a free EQ score elsewhere

EX: PSECU

TU: Barclays

I also subscribe to MPM / Eliminate ID Theft for $12.95 a month.  I keep a log and pull my reports daily, so I can see exactly when each account updates over the course of the month.  It allows me to plan more precisely in the event that I want to apply for something new.

[Section700]

Well I have been using Citi's Credit Monitoring for the past 6-7 years. It alerts me of any activity on my report and updates FAKO scores every 30 days. I just past 30 days and can't update. Called to see what it going on, and they have canceled my account! F*ckers. They said they can not re-instate me as they are no longer accepting new applicants... **bleep**??

Now I need to find a new service that is as reliable and accurate as this has been for me. Any suggestions on a similar program??