Would appreciate some opionions on the various credit-report monitoring services. I already belong to Equifax and am largely pleased with the product, which is priced at about $40 a year. One drawback, though, is that you have to pay $12.95 every time you want your score. I also belong to TU's creditability.com but am not pleased with the service or the cost: about $50 a year. There also is no way to get the score. I'd very much like to monitor my Experian report and would appreciate some feedback on creditexpert.com. Seems like $79 a year is a lot. Is it worth it? Is there a less-expensive alternative that permits unlimited access to credit scores? Saar, Roni, Mom of 3 and others might remember me as Darrell. I'm posting as Maurice now because Darrell has been snatched up by another user. I haven't posted for a while; it's nice to see the forum is expanding. Regards to those of you who remember me as Darrell.
Hiya! With all it's warts, I like Credit Expert...but it's got some real pros and cons. I'm going to stick with it...Since you have the Equifax (I do, too) one, you're set there..though I like Privista better (have come full circle on my opinion of them!) Anyway, good luck!
NanaC: Thanks for the reply. Is it possible tp pull your score from creditexpert any time you want? If I wanted to check it on, say, Monday, could I also pull it on Friday? Thanks. Maurice
Maurice, I check my Credit Expert score everyday, and I view my credit report multiple times a day. Ok, I admit it. I'm addicted. ;-)
Maurice (or Darrell or my other brother Darrell), I have found that Credit Expert updates the score once a week, usually on Friday evenings. You can pull your credit report as often as you like, and that updates as there are changes so it's always current. I pull mine just about every day just to make sure nothing from the phantom world shows up there. I wish there was a similar product for TU.
I've had CreditExpert for almost 2 months now. I think it is worth the $79.95 per year because you do has access to your score and credit report daily or hourly if you would like. It graphs how your score changes from the first score you received. And best of all, I just found out a few minutes ago, the scores are inline with what the brokers see. So, looking at your score will give you a good feel of how you are really doing. Not to sell the product, but I did all of my disputes online with creditexpert with a beginning score of 617 beginning June 27, 2001. This included disputing inquiries. My score today is 719 and my broker today confirm my score was above 700. That alone, to me, was worth the $79.95. Just my opinion!
The score update more than once a week. I know I've seen mine update at very random times. I thought someone else checked with Experian who said it updated once per each 24 hour period?
That could be true and only a coincidence that mine seemed to just update weekly. It is possible that nothing new happened in between the changes I did see.
I think CreditExpert is the best around...as far as updating info and giving you "near real time" access to your data. Unfortunately for me, 90% of the creditors in my area pull Equifax...so I'm stuck with Privista...which to me is a waste (only updates once a week, scores you on a 0 to 100 scale, doesn't allow you to do disputes, etc....) Oh Well...
My score updates daily in the evening! I know others are getting different experiences from it!! If all goes well, you should be able to get your score anytime (once per day!)
I'm in the same boat. However, what you can do re disputes is save your last paper copy of your Equifax report, and use that number to dispute online at the equifax site. Then they give you a number to use to check on your disputes. Of course, they were allowing email disputes, hehe, and seem to have done away wiht that feature, so who knows what will be availble from one day to the next. Privista isn't bad, but it's not as good as creditexpert. breeze
