And now...Quarterly Monitoring doesn't work either.

[Andrew22]

I love MyFico community boards. And, the scorepower reports. This service has been remarkably helpful. But, folks, neither ScoreWatch, nor Quarterly Monitoring work. Period. Latest development goes back to my tax lien withdrawal: ScoreWatch says a lien is now reporting that isn't. TransUnion, meanwhile, deleted the lien on Monday.  But today, I got an alert from Quarterly Monitoring: NO CHANGES! So, I go to the monitors, and sure enough, it shows a negative was removed. To make matters worse, I buy a scorepower report, and the lien is gone, and my score is up 12 points! What am I paying for these services for? And, I feel like I deserve some kind of refund.

[llecs]

TUQM doesn't monitor your TU FICO or TU report, but only does so for demographic changes (e.g. address, SSN, name changes, etc.). In other words, it doesn't monitor like SW (even then SW doesn't alert for dropped baddies). DW uses TUQM and IIRC, they will give you a summary each quarter showing what changes, if any, occurred.

[Andrew22]

Ah, well that explains it. Essentially, then, it provides monitors, and 4 reports for about $60 a year? 

[llecs]

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@Andrew22 wrote:

Ah, well that explains it. Essentially, then, it provides monitors, and 4 reports for about $60 a year? 

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Basically...it's a discount, pre-paid plan for TU reports. Plus you get 20% off all future EQ and TU FICO reports which comes in handy.