Do any of ya'll use them? If so which ones do you use and what kind of luck have you had? I'm thinking of signing up but I'm not sure they're worth it. Is it better just to pull a report from the big three every year? Thanks, Myschae
I find value in being able to check my credit report more than once per year... the problem is that many creditors do not report to all three cras... that means you need three monitoring services... too many fees! Credit Expert is ok, but they don't provide access to your FICO score. I like Equifax's monitoring service, but too bad you can not use it if you have a promotional block on your credit report. They also limit the number of reports you can see. Many people just use the monitoring services for the 30 day trial period and then cancel before the billing.
