Thread: What service are you using to regularly check credit reports?

I'm curious what service most of you are using these days if you want to check all 3 of your credit reports on a regular basis? Please share, and then let us know what you like or don't like about it.

I check my credit with Creditchecktotal.com. I really liked the month service because you use to be able to get a brand new credit report every 24 hours. Now they have switched to three new pulls per month. The scores are higher then what the banks use. I know the creditchecktotal.com scores are the "fako" scores. Overall I like their service. Thanks! Heather with BoostMyScore.NET

So you can pull 3 credit reports from any CRA each month? What's your current cost?

My current cost is $29.95 per month.

I use Credit Karma. It doesn't check all 3 bureaus, but you can't beat the price. It's free!

But it gets the song Karma Chameleon going through your brain, at least my brain...

Originally Posted by BCOHEN2010

I use Credit Karma. It doesn't check all 3 bureaus, but you can't beat the price. It's free!

CreditKarma doesn't give you any actual credit reports though, right? They just give you their "credit report card" and a FAKO score. I use CreditKarma myself but I've never seen an option to look at my actual credit report.

Right, no actual report, just their FAKOs through TU.

I use USAA CMS. 1 pull every 24 hrs, $13 per month.

I use Identity Guard. Pulls all three reports with a score at the end of each quarter. $17.99 month. I like it becuase it tells me everytime there is any activity on the report. The EQ score is very close to what the lenders get. Our quarterly reports came out in March and we refinanced a loan that my husband had and the score that Identity Guard gave was 1 point higher than the one that the lender disclosed to us for EQ. I don't really know how close the other two reports are to what lenders get but I was glad it was pretty accurate.

It also has a score simulator for various/custom scenarios.