Credit Monitoring Service
- Thread starter sriki
- Start date
bismark
Level 2 Member
Anh
Level 2 Member
This should help with Equifax: https://homedepot.allclearid.com/ (Legally and Ethically, you must have swiped your card at Home Depot sometimes between April and September).
Similarly, a few months ago Target did have the free credit monitoring (Experian)
Other than that, i don't think there's any free credit monitoring for EX/EQ.
Similarly, a few months ago Target did have the free credit monitoring (Experian)
Other than that, i don't think there's any free credit monitoring for EX/EQ.
Barclay provides free Fico score if you have one of their credit cards (affiliated links here 
) If you go with Citibank monitoring, google the link with employee rate, it should be 4.95 per month. They update monthly but the reports include all 3 credit reporting agencies.
) If you go with Citibank monitoring, google the link with employee rate, it should be 4.95 per month. They update monthly but the reports include all 3 credit reporting agencies.
inflightmeal
Level 2 Member
3,000 Southwest miles if you pay $17.99/month using Free Credit Score.
http://www.southwest.com/html/rapidrewards/promotions/experian_rreu_1.html
http://www.southwest.com/html/rapidrewards/promotions/experian_rreu_1.html
I currently have Michael's and Target's free monitoring. The AllClear service by Michael's is poor, they didnt even alert me on 2 new cards I opened. ProtectMyId is pretty sweet, they send a SMS and email the next day. So if I had to pay for a service, it would probably be ProtectMyId. But I see CreditKarma, CreditSesame, Credit.com and Quizzle together make a pretty sweet combo.
JOHN Hansen
Level 2 Member
Everyone should have the Barclay Arrival card since they have the big bonus, as well as your free FICO score.
Can't complain about the 2% credited to travel charges either.
Can't complain about the 2% credited to travel charges either.
DebentureBoy
Level 2 Member
I use myfico.com using the three credit program. It is a bit slow to load screens but very useful in getting the full picture of my credit situation. The annual fee is just the cost of doing business in my opinion. I'm very satisfied with it.
StaticCharge
New Member
Is this a good value @ around $12/mo? There seems to be a huge range in what these services offer: for example, the USAA one has all 3 reports & scores, but the reports are only updated once a month. Useful, but far from a real time service. Also unknown is if the scores offered are true or fako.
William Charles
New Member
Quizzle - Equifax
Credit Sesame - Experian
Credit Karma - TransUnion
Wisepiggy is also TransUnion and Credit.com is Experian. Absolutely no need to pay for credit monitoring anymore unless you're trying to B*.
If you want an actual FICO score and not the FAKO (usually VantageScores) that these services provide, then chances are at least one of the card issuers you have credit cards with now offers this through the FICO open access program (e.g Discover, Barclay, FNBO, Walmart and soon Citi).
Credit Sesame - Experian
Credit Karma - TransUnion
Wisepiggy is also TransUnion and Credit.com is Experian. Absolutely no need to pay for credit monitoring anymore unless you're trying to B*.
If you want an actual FICO score and not the FAKO (usually VantageScores) that these services provide, then chances are at least one of the card issuers you have credit cards with now offers this through the FICO open access program (e.g Discover, Barclay, FNBO, Walmart and soon Citi).
IIRC. There is a "premium" service offered when you try to update after 24 hours.
Weezl
Level 2 Member
Data Point:
Refinancing the home one more time. FICO scores cam back mid 7's, way down from last refi a year ago 790's-800's. Was not MS'ing then. Suspect my credit ute (went over 50% on the INK a few times--oops) and the # of cards (8) opened in the last few months has a little to do with it--doh! Lender could care less, apparently.
So Barclay just emailed me with a FICO update. My score is now 810's. This flies in the face of the actual scores provided by the 3 biggies. How can it be that far off? Many are reporting close correlations with their Barclay scores and the big 3, but this is way off in my case. Barclays is not to be trusted IMHO.
Refinancing the home one more time. FICO scores cam back mid 7's, way down from last refi a year ago 790's-800's. Was not MS'ing then. Suspect my credit ute (went over 50% on the INK a few times--oops) and the # of cards (8) opened in the last few months has a little to do with it--doh! Lender could care less, apparently.
So Barclay just emailed me with a FICO update. My score is now 810's. This flies in the face of the actual scores provided by the 3 biggies. How can it be that far off? Many are reporting close correlations with their Barclay scores and the big 3, but this is way off in my case. Barclays is not to be trusted IMHO.
ushdadude
Level 2 Member
That shouldn't matter. Credit on business card does not affect your credit
William Charles
New Member
Generally as long as your score is above 760 you'll get the best rates from lenders, so in your case it really shouldn't matter. I think the amount of recent cards you have opened has a lot to do with it, 8 cards recently opened would cause your score to drop by about 40 points, while utilization on your business credit card shouldn't be reported your personal credit report.
I also suspect your comparing your FICO TransUnion 2008 classic model (provided by Barclaycard) with Mortgage enhanced scores from your lender. Of course they are going to be different. Barclaycard is fine, it's a real FICO score but it's a classic score and not industry specific. In this case it gave you the right information (you had nothing to worry about because you had good credit).
Try not to worry about small swings so much.
MickiSue
Level 2 Member
Keep in mind that the REAL FICO is a money making operation, and one way that they make even more money is to have separate scores for different markets. So, your car insurance FICO will be somewhat different from your credit card FICO which is, in turn, different from your mortgage FICO.
Of course, the scores you get from both CC banks and the free sites like creditkarma are the CC scores.
Of course, the scores you get from both CC banks and the free sites like creditkarma are the CC scores.
DevonLouisville
Level 2 Member
I think people in different places have different bureaus for Credit Sesame and Credit Karma. Mine look like this:
Credit Sesame: Transunion
Credit Karma: Transunion and Equifax
Quizzle: Experian
While the free ones are great, I loved the convenience and layout of the site of Citi Credit Monitoring. I had it at $4.95 per month for many, many years until it closed earlier this year. I've not found one I like enough(or that's a low enough price) to pay for yet since I lost Citi.
Credit Sesame: Transunion
Credit Karma: Transunion and Equifax
Quizzle: Experian
While the free ones are great, I loved the convenience and layout of the site of Citi Credit Monitoring. I had it at $4.95 per month for many, many years until it closed earlier this year. I've not found one I like enough(or that's a low enough price) to pay for yet since I lost Citi.
DevonLouisville
Level 2 Member
So I looked at Quizzle wrong, mine is Equifax too. Which means I have no way of seeing my Experian for free unless someone else knows a way?