Are there any credit report websites that give access to updaited reports for a monthly fee?
Posted in Credit on 01/31/2009 08:58 am by admin
Jay asked:
I recently signed up for Identity Guard and they positioned that you would have access to your credit report and score constantly for 12.99 a month. Since i’m working to clear my report and improve my score, I thought being able to see it updated quickly would help. I have since found out that they only update the score and report once every 6 months which really doesn’t help me as just in the last month i’ve had items come off and I’m sure my scores have changed. Is there any service out there that give access to updated reports on a weekly or monthly basis with updated info or anything like that?
COLEMAN
I recently signed up for Identity Guard and they positioned that you would have access to your credit report and score constantly for 12.99 a month. Since i’m working to clear my report and improve my score, I thought being able to see it updated quickly would help. I have since found out that they only update the score and report once every 6 months which really doesn’t help me as just in the last month i’ve had items come off and I’m sure my scores have changed. Is there any service out there that give access to updated reports on a weekly or monthly basis with updated info or anything like that?
COLEMAN
02/02/2009 at 1:24 am
BASIL
Yes.
is actually run by Transunion (which is one of the 3 major credit reporting agencies)
You can monitor all 3 for a monthly fee of like $14 bucks I think. It is worth it for sure if you are trying to get you credit straight.
02/04/2009 at 11:55 am
LAVERN
There are some pros and cons here Jay. Having a service pull your credit for you every month is going to hurt your score a little.
If I was you I would just go to a mortgage broker once every 3 months and say you want a loan and a copy of your report.
02/07/2009 at 6:38 pm
RENE
Correction to what the last guy said: Having your credit pulled constantly for the purpose of only you seeing it does not hurt you at all. It’s called a soft pull.
As far as the services are concerned, I use True Credit. They do a great job of showing you an accurate report, but the scores aren’t as accurate. They are close though. Only the TransUnion score is right on the money. Good service though. Also, try MyFico.com. I have used it and liked it ok.