Credit score monitoring

Economist said: What if you cancelled now and try to sign up again? Wouldn't you be ineligible for the 30-day free trial and thus the billing would start immediately?

abalazs said: 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

That seems like a good idea. I'll call and ask them what happens.

I bought a one year subscription to myFICO.com and with it you get two included credit reports to use at your discretion, although I think the first one comes automatically, leaving you with one left. So no, no daily pulls, and lately it has been extremely slow in updating me with new fico scores, taking as long as 2 months to update, when I know from doing daily pulls with privacy matters, that my score should have changed. Still worth it though in my opinion. I think it was about $80 for the year.

Has anyone ever heard of ID Theftsmart?

Link

This is what my employer offers, and I couldn't find anything on the company in the forums. It doesn't say anything about daily pulls, which seems like the main thing people look for.

Nothing else out there? Need a decent one to take a look at Report as well as FICO/FAKO scores. Thanks.

Same here. I used NC and Citi, but cancelled NC today because I am not into b*. $4.95 is a great deal IMO...

Data point to report, FWIW: I did some 0% investing a year ago and pulled out about $65K in 0% money from three cards: a USAA Mastercard, Chase Sony Visa and a Discover. According to WAMU, My score dropped from 740 to 660 when I did that, prolly because utilization went >80% on all three cards. Score climbed slowly from Mar07-Jan08 from 660ish to about 685.

I paid the cards off in jan08, and WAMU now tells me that my score is 796. I haven't changed anything else in that time - no loan payoffs or other change in status - so that's a 110 point jump just for paying off the three 0% loans. Pretty radical change....

kenblakely said: Data point to report, FWIW: I did some 0% investing a year ago and pulled out about $65K in 0% money from three cards: a USAA Mastercard, Chase Sony Visa and a Discover. According to WAMU, My score dropped from 740 to 660 when I did that, prolly because utilization went >80% on all three cards. Score climbed slowly from Mar07-Jan08 from 660ish to about 685.

I paid the cards off in jan08, and WAMU now tells me that my score is 796. I haven't changed anything else in that time - no loan payoffs or other change in status - so that's a 110 point jump just for paying off the three 0% loans. Pretty radical change....
I think I heard WAMU's score isn't the most accurate for some reason. What's confusing me is why you jumped from 740 -> 796 if nothing has changed except your accounts got a year older?

The Costco Identity Guard only let's you look at new report after every 30 days, I seen in other post. Anyone had different experience?

Jack: any report on them?

jackcrawfish said: Rick0822 said: Has anyone ever heard of ID Theftsmart?

Link

This is what my employer offers, and I couldn't find anything on the company in the forums. It doesn't say anything about daily pulls, which seems like the main thing people look for.I enrolled myself today... It appears to be paper based. Has anyone else at FW had any experience with IDTheftsmart?

Never received my $20 Staples GC...

jackcrawfish said: abalazs said: Economist said: What if you cancelled now and try to sign up again? Wouldn't you be ineligible for the 30-day free trial and thus the billing would start immediately?



abalazs said: 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.



ThanksThat seems like a good idea. I'll call and ask them what happens.did you cancelCreditSecure and then re-enroll immediately? Were you able to refresh reports every day?For what it's worth, I PM'd abalazs and was told "Yep, I canceled and was able to re-enroll right away so that I could pull reports daily"

AVakil said: Citi is pretty good for me, no bumpage but for $4.95 a month for monthly pulls and all three credit reports, good enough for me.

How do you pull all 3? Citi is only showing experian for me...

Thanks!

Edit: Just saw the 3 in 1 image on the left hand side.

ThursdaysChild said: Alimo said: I think I heard WAMU's score isn't the most accurate for some reason. <snip>WAMU's score is a "credit-card enhanced" score, just as what your mortgage broker sees is a "mortgage enhanced" score.

According to WAMU, they pull the information from TU. I signed up for credit karma to find my score much lower than WAMU's "Bankcard Industry Option FICO score". Out of curiosity, I pulled my credit report from TU. My WAMU credit card (which was opened 2+ years ago) wasn't even on my TU report. Now I know why my credit karma score (which should be closer to the actual FICO score) is that much lower given that the only other card I have was opened this year. How odd...

Looks like Citicard IdentityMonitor is now $12.95/month though there is a free 30 day trail

http://www.identitymonitor.citi.com/benefits.aspx

jackcrawfish said: I enrolled 9/4 in CreditCheckTotal. When I tried enrolling on 8/4, I could not get this product due to Experian freeze. I have temporarily lifted the freeze and was able to enroll.

I called 866-506-7894 to try and cancel/re-enroll in the Credit Check Total product to gain ability of immediate daily pulls. Unfortunately, it is not possible for the Credit Check Total program - you have to wait the obligatory 7-9 days before you can do daily pulls.

During the same call, I asked if there were any promotions currently available... rep said for 3 months, I could get Credit Check Total for $19.95 rather than $29.95....
you can get it for $9.95/mo for 6 months if you ask extra-nicely.

LtWaldo said: Just signed up for ConsumerInfo - they charge $11.95 / month now. I updated the Quick Summary.

Seems they only have experian information. 29.95 for 3 credit bureas.

Ditto here, two $11.99 were already posted. Judging from my current available CL, Credit Secure apparently also placed two holds of $11.99 (the Am Ex card was not used otherwise). Now, whether posted or not, my available CL is reduced by a total of $47, or approximately 4 x $11.99. Go figure...

poncedelabank said: I was double billed for Credit Secure in February. Found a 23.98 charge on my account. The rep I spoke with says it is a known error, and may have affected others.

Will call today.

jwe123 said: Just found AT&T Wireless gave me a hard inquiry on 9/30 last year, but I didn't do anything, I have been an At&T customer for over 4 years and never late for the payment. Does anybody know the reason or how to dispute? Would it affect my credit score? Thanks.

I'm not sure but that may be standard protocol in the cell phone industry to do hard inquiry whenever you sign up for a contract

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