Anyone have some advice please

[almitch59]

Hello everyone.I'm new to these forums and I'm looking for some advice.I was thinking about purchasing some MYFICO products,but after reading the threads in here I have become quite skeptical.All I'm really interested in is checking my scores every so often without getting pounded with fees.If anyone has a suggestion or two I would greatly appreciate it.Thanks All

[MidnightVoice]

Few of us who are happy with the services write much in this forum, so it is very complaint heavey!

Scorewatch monitors your EQ report all the time and gives you a full report.

FICO complete gives you all three reports and scores, but does not monitor.

It really depends what your objectives are, and what you mean by "so often" and if you want/need all three scores

[almitch59]

Thanks for the reply.I'm thinking of checking at least one report every month or maybe two.I'm considering buying a house later this year and I guess like everyone else I want the loan process to go as smooth as possible.

[MidnightVoice]

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almitch59 wrote:

Thanks for the reply.I'm thinking of checking at least one report every month or maybe two.I'm considering buying a house later this year and I guess like everyone else I want the loan process to go as smooth as possible.

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You coulsd start with your free three annual reports and see if there are any derogs on them that could cause problems.

Then possibly order all three Scores from here and see what is what

[haulingthescoreup]

I was mulling how to persuade my adult kids to monitor their credit, the idea of which makes them roll their eyes.

I came up with this possibility: Grit your teeth and do a one-time pull of all three for a baseline, if you haven't already. Then subscribe to the Suze Orman product. Don't pull any scores immediately. Stagger pulls of your 3 free reports at annualcreditreports.com with the three Suze pulls.

So for instance, pull your free Experian report in January, and your Suze EX FICO in July. Then pull your Suze TU FICO score in March, and your free TU report in September. Finally, pull your free EQ report in May and your Suze EQ FICO in November.

This way, you are looking at one score report and/or FICO score every other month. Note: this won't tell you about stuff that might be happening on the other reports, and it certainly won't keep your curiosity satisfied if you are actively working to improve your credit. But it will probably cover most of most people's needs.

Or you could just buy Suze periodically and only pull one score and report at a time, realizing that something very different could be happening on another report.

As you are going for a mortgage, I would still recommend pulling all three 6 or 7 weeks before you anticipate applying. That would give you time to work on any unpleasant surprises.