not sure if this is the right place for this ... but could someone please tell me if there is a reason why for Equifax all of my accounts show as "ND" (No Data). using CreditSecure is actually says "ND". using Privacy Matters or True Credit it just shows a white block. i've tried calling Equifax but they keep asking for my credit report number ... and i don't know how to get that. anyone have any insight on this?

thanks

glxpass said:f1ipm0dsqd said:Has anyone tried Privacy Assist? i think its by FIA card services (BofA)
Unlimited access to Scores and Files 12.99/mo for 3 scores (Premier), 5.99 for EQ only..
I believe the Privacy Assist Premier product will only obtain new credit reports every 90 days. Unlike TrueCredit, I don't think you can request new daily credit reports and scores. The daily monitoring in Privacy Assist is for alerts only.

Well that sucks, i dont wanna have to access it 30 times in a month and get the same info.
I currently have Credit Secure, it does have bumpage working. One of the queries from Dec 2006 disappeared already couple of weeks ago, so it bumped it out before a year. I think i'll stick with CS for now.

Now i'm tracking changes of my score from on a spreadsheet recently. Some weird score changes.
Date----------- Total Account Balance-------- Score
------------Exp---------Eq---------TU-------Exp-Eq-TU
9/25/2007 $40,136.00 $29,705.00 $29,705.00 734 771 749
9/28/2007 $40,136.00 $40,136.00 $29,705.00 734 746 749
10/1/2007 $40,136.00 $40,136.00 $40,136.00 734 746 734
10/6/2007 $39,961.00 $40,136.00 $40,136.00 734 746 738
10/21/2007 $38,952.00 $39,387.00 $39,152.00 746 746 738
10/23/2007 $38,952.00 $38,952.00 $39,152.00 746 768 738
10/24/2007 $50,002.00 $38,952.00 $38,952.00 736 768 750

Dont know how that 50K showed up.. surely havent charged anything that much.. or is Exp really late on the reporting.

edit.. well i checked again, now EQ has changed, now same as Exp, but score went down by 40.

I guess CS is really a month behind reporting.

jensenjp said:What do people think of this service
https://www.credit.com/ufg/credit.com/truelink_monitor

I am looking for a the ability to pull "fresh" reports anytime, see the scores(I don't think these are the true FICO scores?), and be alerted to any changes from all 3 (TU,EX,EQ).

Has anyone found a service that lets you pull all 3 complete reports on demand, gives you access to REAL FICO scores, and will alert you of changes to any of the 3 reports?

BTW
I have already gotten the 2 free CLUE reports(auto and personal property loss/claims reports)
http://www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?channel=welcome&subchannel=clue_info
I'm not aware of any one service that will give you all those features. The feature that I haven't found anywhere else but at myFICO.com is the ability to see all 3 true FICO scores at the same time. The other services I've seen that show 3 scores at once use FAKO. Rather than relying on the accuracy of FAKO, I just compare the scores with the scores on the previous report. I assume that a significant change would also reflect on the FICO scores, whatever the difference between the FAKO and FICO scores is.

I use Privacy Matters 123, which apparently uses TrueCredit as its engine, to obtain all three reports daily (although I'm told you can't get a new report *exactly* 24 hours after the prior report, you just wait a bit before requesting the subsequent report), and it does e-mail you with alerts when your report has changed.

OK so it looks like the best place to get all 3 FICO scores is myFICO.com

I can use promo code mw01 for 20% off and get the cost down to $38.28

It seems I can only pull the real FICO scores once(report available for 30 days) for this fee?

Does anyone have experience with myFICO.com services?

glxpass said:jensenjp said:OK so it looks like the best place to get all 3 FICO scores is myFICO.com

I can use promo code mw01 for 20% off and get the cost down to $38.28

It seems I can only pull the real FICO scores once(report available for 30 days) for this fee?

Does anyone have experience with myFICO.com services?
I've done at multiple times with the same promo code, although I think my requests were a couple of months apart. Haven't tried any other services of theirs. Their forums are very educational, though.

you pay every time you want new fico scores - correct?

I wanted to ensure I understood what my $$ was getting me. Many of the non-fico reporting companies let you pull your report over and over (and get new data as they are added to your report), where as myFICO just pulls the score at time of purchase. If you want to check the scores again in 2 months, you would need to repay to get the new scores - correct?

Can anyone post the instructions about creating an outlook reminder every 1441 minutes or 24 hours and a minute? I don't seem to get it going.

Thanks!

It looks like current deal with Privacy Matters 123 ($29.95/year offer) is the best one going (for daily reports, bumpage) but only provides FAKO scores?

That's all that you need. It's a waste of time and money for you to pay for your true FICO scores. The FAKO scores are ample enough approximations for an AOR and will move up and down roughly in proportion to changes in your FICO. I wouldn't bother paying for true FICOs unless you were entertaining application for a substantial mortgage,etc.........

GroveStreetOG said:glxpass said:jensenjp said:you pay every time you want new fico scores - correct?

I wanted to ensure I understood what my $$ was getting me. Many of the non-fico reporting companies let you pull your report over and over (and get new data as they are added to your report), where as myFICO just pulls the score at time of purchase. If you want to check the scores again in 2 months, you would need to repay to get the new scores - correct?Correct.

I believe, though, that myFICO tells you the score when it changes more than some amount (maybe an amount that you can set). I had the myFICO trial and I got several scores during that time.
That's very odd; I've never seen that. You mention "myFICO trial", that doesn't sound the same as the product I'm talking about, FICO Credit Complete, which gives you three scores, three credit reports, and specifically says that's it's a snapshot of this information at the time of purchase. There's Score Watch, that does as you describe, but it's only for Equifax. Perhaps you mean Score Watch?

As LFTM stated above, as well as many others, you can expect to see discrepancies, some rather large, between FICO and FAKO scores. This has all been reported before, and it's been discussed that the most useful thing about PM 123 and similar services that report FAKO scores is the credit reports and the tracking of changes to your FAKO scores. One hopes that even if the FICO and FAKO scores are somewhat far apart, changes to them caused by new credit report information would be similar.

So, if you don't mind spending $38 or so a pop, obtain a number of FICO scores in sync with the FAKO scores when you see changes to your credit report and/or FAKO scores, and see if the changes to both sets of scores are relatively equal. If so, you've confirmed the usefulness of changes to your FAKO scores to indirectly monitor changes to your FICO scores.

Does anyone who has CreditSecure have a way of getting around the 30 day review period? I called them to ask if I could just start paying now and pull my new report right away and they shot me down. I seem to recall other people being able to do that some time ago.

Thanks