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#1
04-16-2009, 09:53 AM
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Junior Member
Join Date: Apr 2009
Posts: 22
Credits: 426
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Sub:
Credit Monitoring
I am interested in getting a service that watches my credit for me. I would like to get the Fico scores but am finding that is like "add-on" for most of them.
I am wondering what others have experienced with them and IF THEY ARE A GOOD choice. If so which ones would people recommend? or stay away from? Thanks for everything 
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#2
04-16-2009, 10:05 AM
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Sub:
I've been using TrueCredit for the last year or so but recently they changed so now you can update your TU daily but you can only update EX and EQ onece every 30 days. The score they give you is not a true FICO. If you want those, MyFICO.com will give you all 3 but it's pretty pricey. You can generally find discount codes out there though. PM me for a couple additional tips.
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#3
04-17-2009, 07:40 AM
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Junior Member
Join Date: Apr 2009
Posts: 22
Credits: 426
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Sub:
Awsome. Ima sign up for the free trial and see how i like it. I would like other imput also if there is any out there. These things cant hurt me can they????
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#4
04-17-2009, 08:25 AM
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Join Date: Mar 2009
Posts: 490
Credits: 7,023
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Sub:
Sorry, but I got nothing for you. I'm a loan officer and I have access to check my credit anytime I want. Sometimes I forget what a luxary that is.
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#5
04-17-2009, 08:31 AM
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Sub:
I use the myFICO "Score Watch" which does my Equifax scores ... its okay, and knowing that it is a real credit score and not a fake one is important to me.
__________________
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#6
04-17-2009, 08:34 AM
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Junior Member
Join Date: Apr 2009
Posts: 22
Credits: 426
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Sub:
Totally understand. Is there any way to get the FICO without using the myfico.com thingie? like mabey as an addon service for some of the other monitoring agencies?
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#7
04-17-2009, 08:42 AM
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Sub:
you can only get real FICO scores by going through FICO. If you use the actual credit bureau scores, they are NOT real FICO's. So if you are trying to moniter and hit an actual FICO in order to qualify for a loan or certain interest rate, you need to use the products available on FICO only. If you google discount codes, you can normally get 20-30% discount codes.
__________________
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#8
06-30-2009, 04:56 PM
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Sub:
is FICO score the most official credit score? i have been monitoring mine through www.creditexpert.com which is an affiliate of experian. they provide PLUS scores ... is this different?
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PLUS Experian | 515 - 527 - ??? PLUS Equifax | 515 - 524 - ??? PLUS TransUnion | 515 - 515 - ???
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