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.The best are the ones you pay for.
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CreditCheck Monitoring Premium (if you have USAA)
IIRC. There is a "premium" service offered when you try to update after 24 hours.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.
That shouldn't matter. Credit on business card does not affect your creditData 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.
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.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.