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micahc said:I've been pulling reports daily with both CreditKarma and ChaseIDProtection.com -- but only CreditKarma is showing up on my TransUnion report. Shouldn't ChaseIDProtection be showing up there too? I'm trying for some TU bumpage, but having a hard time since half the programs I signed up for require me to wait for them to mail me a pin (still waiting...), or else don't allow daily pulls. Advice?! Thanks
are you sure it isnt showing? ignore the name of the puller, just the dates.


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solarUS said:micahc said:I've been pulling reports daily with both CreditKarma and ChaseIDProtection.com -- but only CreditKarma is showing up on my TransUnion report. Shouldn't ChaseIDProtection be showing up there too? I'm trying for some TU bumpage, but having a hard time since half the programs I signed up for require me to wait for them to mail me a pin (still waiting...), or else don't allow daily pulls. Advice?! Thanks
are you sure it isnt showing? ignore the name of the puller, just the dates.

Yes, I'm sure of it because the CreditKarma inq's are the only ones there at all (in the soft-pull section)... other than one soft inquiry from doing my free annual credit report. Also, I just realized that my ChaseIDProtection "3 Bureau Merged Credit Report" has columns for all three agencies, but only has valid numbers in the Equifax column... the Experian and TransUnion columns just have all zeros. Does it only pull from one bureau during the first thirty days after you sign up or something?!

Message edited by: micahc on 2009-04-16 01:49:43 CDT
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micahc said:solarUS said:micahc said:I've been pulling reports daily with both CreditKarma and ChaseIDProtection.com -- but only CreditKarma is showing up on my TransUnion report. Shouldn't ChaseIDProtection be showing up there too? I'm trying for some TU bumpage, but having a hard time since half the programs I signed up for require me to wait for them to mail me a pin (still waiting...), or else don't allow daily pulls. Advice?! Thanks
are you sure it isnt showing? ignore the name of the puller, just the dates.


Yes, I'm sure of it because the CreditKarma inq's are the only ones there at all (in the soft-pull section)... other than one soft inquiry from doing my free annual credit report. Also, I just realized that my ChaseIDProtection "3 Bureau Merged Credit Report" has columns for all three agencies, but only has valid numbers in the Equifax column... the Experian and TransUnion columns just have all zeros. Does it only pull from one bureau during the first thirty days after you sign up or something?!

ODD...my experian shows as a zero, but that's because i have it frozen.

if you can't see your score/info, then likely it isnt being pulled. i'd call them to find out why.


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solarUS said:micahc said:solarUS said:micahc said:I've been pulling reports daily with both CreditKarma and ChaseIDProtection.com -- but only CreditKarma is showing up on my TransUnion report. Shouldn't ChaseIDProtection be showing up there too? I'm trying for some TU bumpage, but having a hard time since half the programs I signed up for require me to wait for them to mail me a pin (still waiting...), or else don't allow daily pulls. Advice?! Thanks
are you sure it isnt showing? ignore the name of the puller, just the dates.


Yes, I'm sure of it because the CreditKarma inq's are the only ones there at all (in the soft-pull section)... other than one soft inquiry from doing my free annual credit report. Also, I just realized that my ChaseIDProtection "3 Bureau Merged Credit Report" has columns for all three agencies, but only has valid numbers in the Equifax column... the Experian and TransUnion columns just have all zeros. Does it only pull from one bureau during the first thirty days after you sign up or something?!

ODD...my experian shows as a zero, but that's because i have it frozen.

if you can't see your score/info, then likely it isnt being pulled. i'd call them to find out why.

RIGHT! I forgot that my freezes could affect it. But it threw me off because I do have TU and EX frozen, but CreditKarma still pulls TU just fine and shows up in the soft inq area on my TU report. So are only some monitoring services able to get around a freeze? And would you recommend unfreezing so that doesn't happen?


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does Key Myprivacymatters allow daily pulls anymore or just monthly?... does anyone know???


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Just got this email from chaseidprotection.com:

Thank you for choosing the Chase Identity ProtectionSM program. On June 1, 2009 there will be a change to your membership benefits. Starting on this date you will be eligible to request a new credit report(s) and score(s) once every ninety (90) days. Additionally, your most recent credit report(s) and score(s) request will be available for your review throughout the ninety (90) days.
....


Did anyone else get this email too?


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in another credit report thread, someone else reported getting the identical message.

eta: it was wadeshaqwalker

Message edited by: jackcrawfish on 2009-05-03 23:49:06 CDT
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ditto


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so is myFICO the best one for daily pull? Their price is very good ($8.99). But does it pull all 3 scores? myFICO.com says it only pulls from eq

Message edited by: larciel on 2009-05-15 22:17:52 CDT
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the last promo code I see in this thread for a 20% FICO score discount is "mw01"

keep in mind that Experian no longer allows Fair Isaac to sell FICO score (http://beta.fatwallet.com/forums/finance/901148)

product page comparison:
http://www.myfico.com/Products/Products.aspx

20% discount reference from 2007 & 2008:
http://www.fatwallet.com/forums/finance/638242/m11393165/#m11393...

http://beta.fatwallet.com/forums/finance/873000/m12940652/#m12940...

Message edited by: jackcrawfish on 2009-05-27 14:55:46 CDT
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Thank you for your email. We understand you are inquiring about when you will receive your next updated credit report. Your membership enrollment was initiated on 8/19/2008, the first quarterly was sent to you 120 days after your enrollment date, then every 90 days after that we will pull information again and make it available to you. Your next updated credit report will be made available online to you by the end of April.

We appreciate your business as you are a valued member.

Thank You,

R. Bessellieu
Identity Guard Customer Service
www.identityguard.com/costco

costco is telling me that its quarterly, not even monthly!


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Glanced at my AMEX bill and saw that Credit Secure charge is now $12.74 instead of $11.99
Called CS and the rep says that they now started to tax customers in TX. They taxed NY first. Soon other states will follow.

I'll be cancelling when I get my Citi AMEX card so I can get free Identity Monitor for a year.


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Chase credit card holders also get an ID protection service, which is exactly this same thing. All three and you can get FICo scores and monitoring, and ability to send notices for errors and they have phone support and help you complete it correctly.
and they used to charge $11 a month, but now i just checked its $12 a month. I used it a year and half ago and improved my score.
As you all must know there is a month or two lag in the process of these agencies to update your information. So if there are issues in the last month or two, you probably wont see anything. But I think knowing all your three scores does help in knowing if you are going to get the great rates showing for refinancing or other large purchases. I think they are now expecting close to 740 for those rates based on a recent article i just read.
What I would like to know which is that fastest way to get your three scores right now online? Without dilly dallying around charges of $1 variance? what do you all recommend?


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Get paid $20 for trying PrivacyGuard via Kroger (link). Haven't tried it yet. A quote from this page says:

PrivacyGuard provides:
Daily monitoring of your credit file by one of the major national credit reporting agencies
Unlimited access to your credit reports and scores from all three national credit reporting agencies
Regular email or mail notifications so you don't have to worry
Personal ID theft resolution service to help restore your good name


Plus, enjoy unlimited access to the CreditXpert® What-if Simulator™.
Experiment with changing payment amounts, adding new accounts, and seeing how certain actions can affect your credit score.

Try the first month of PrivacyGuard for just $1 and we'll send you a $20 Kroger® gift card!**


GET STARTED TODAY!
800-395-9810 Or ENROLL

* Enjoy continuous privileges with convenient billing.

** To receive your Kroger Family of Stores Gift Card, simply return the form included in your membership materials.

If you decide not to keep your PrivacyGuard privileges beyond this one-month-for-$1 trial, simply call toll-free 866-838-7138 to cancel. Unless you call to cancel during your one-month trial period, your membership will be automatically continued at the $11.99 monthly membership fee, or then-current fee, billed to the account you provide, without your having to do anything further. Your satisfaction is guaranteed. You may call toll-free 866-838-7138 to cancel at any time and owe nothing additional.

Message edited by: ymf on 2009-09-14 21:23:15 CDT
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Every damn thing is based on our credit score, but we have to pay to see our own scores. Pathetic.


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HyperX said:Every damn thing is based on our credit score, but we have to pay to see our own scores. Pathetic.

Welcome to Capitalism.


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ymf said:Get paid $20 for trying PrivacyGuard via Kroger (link). Haven't tried it yet. A quote from this page says:

PrivacyGuard provides:
Daily monitoring of your credit file by one of the major national credit reporting agencies
Unlimited access to your credit reports and scores from all three national credit reporting agencies
Regular email or mail notifications so you don't have to worry
Personal ID theft resolution service to help restore your good name

Just signed up for this as I am actually looking for a good credit reporting option. I signed up for the $1 fee and should also receive the $20 Kroger/Randalls card. A quick report on the service:

- Not as visually appealing as myFICO, but it does a good job of pulling all the information
- I particularly like the What If analyzer (although with the trial, you only get Equifax)
- The 3 credit bureau combined analysis report is probably the most useful tool ... I've extraced a few "screenshots" to help illustrate (with some blackout of data)

If you do signup, it's a little confusing intially as you will see a box that says, "Expired. Time to Renew." You click on the credit report product and it then allows you to "order" it for $0. It took me 5 minutes to figure this out as I thought their trial was screwed up.

Members of our community may attach files to a post in accordance with the User Agreement. FatWallet is not responsible for the content, accuracy, completeness or validity of any information contained in any attached file. Files have *not* been scanned for viruses. Be especially wary of Excel files which may contain malicious content.

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Privacy Guard & My Fico now allow daily pulls? I thought otherwise. Most recommendations I've seen are for Credit Check Total and (if you have an AMEX) Credit Secure.


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Is that confirmed that PG is now offering daily pull?


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