I have been reading this forum for a while, and it is time for me to find out my score, brush it up, and buy a house. (Hopefully) But first, I have one question. How do you guys monitor your scores? I'm being overwhelmed with choices. I was thinking of ordering individual credit reports+score from each of the 3 credit bureaus. But this means I'll have to do this a few times in the future, and at ~$42/3 reports from each bureau, this will add up! ($14TU+$13EQ+$15EX=$42!) When I realized how expensive this can be, I started looking at all the credit "monitoring" websites. But there's so many of them! I'm not sure which ones are good, and how accurate their reports are (since they need to get their info from the 3 credit bureaus anyway). So I don't know how outdated their information is, how accurate, how detailed, etc, etc.... So... how do you do it? Is there a good monitoring service that provides all 3 credit reports and all 3 scores out there, or do I need to fork over $42 each time I want to figure this out? Thank you in advance, Witold
www.privacyguard.com for reports. $1.00 for the first 3 months, about $80.00 a year after the 90 days. It gives a EQ FAKO score - ignore it. www.myfico.com for FICO scores. PVN814 as a code still worked last night for discount on pricing - then they are 9.99 a piece.
I tried the PVN814 code, but they still charged me full price. It sucks because they don't tell you what they will charge you untill you go through all of the verification questions. After answering all of the questions, I caved. My scores are: TU: 730 EX: 768 EQ: 736 I'm 24. I guess these are pretty good scores, so I'm very happy that the 3 times my roomate was late with his portion of rent didn't lower my scores, and neither did one time I was late with a CC payment, and one time I missed a credit card payment completely. Phew...
