I have sent out for all three credit reports (snail mail) but I am looking into getting them online. I have done lots of creditnet and google searches. I have read the primers and the FAQs and all of that... and either I am not finding what I am looking for, or I am just really really dense and not able to know it when I see it. I want to be able to see all three reports (together or separately, I don't care) at least as often as they are updated. (some daily, others weekly - whatever). to have the most accurate information available. At this point I do not care much about scores, (they are just bad, and will be for awhile) but if a score, or scores are included..thats fine too. I don't care all that much about cost. (with in reason) But I *would* like, if at all possible to be able to access them from one website. Do I need to get monitoring from each CRA? would monitoring cover being able to see updated CRs -- often? I know that this subject has been covered, but I get info about certain sites -- like privacyguard, and I go there...it doesn't really say you get updated ones as often as you want. I want to be able to completely fixate on my credit -- at my leisure. Obsessive Compulsive? maybe. Any suggestions?
www.creditexpert.com This site is your Experian report free for thirty days then they bill you $79.99 for the year afterwords. This will show you a new report as often as you like. This includes score. www.equifax.com This site is your Equifax report. You can sign up for the GOLD credit plan that costs $9.95 a month or $99.95 for the year which saves you two months. This report does not come with a new score each time you look at your report, but for an additonal $38.85, they will give you 4 new scores as often as you like for up to 4 years. Remember though, only 4 new scores over a 4 yr period. www.transunion.com I'm not to familiar with them. I may go there today to look for the same kind of program that the other two offer. What you want to look for is a plan that charges you per month. This will be the plan you want. Hope that helps. SnakeMan
www.consumerinfo.com provides a three cr report, with 1 score, and the option to purchase the other 2 scores. i signed up for their trial offer... Hint: if you don't have many open accounts don't do the score simulator, it only takes into account the accounts that are open; so it won't let you simulate for "What would happen to my scores if I got this account delted because they are too dumb to validate, and verify?" I found out the hard way, I paid for the score simulator report, and it only simulated my student loans.
http://www.privacyguard.com You can check your reports everyday. It cost $1 for the first 90 days. $89.99 if you forget to cancel during the 90 day trial. It is a trimearge, all 3 reports in one. The presentation is a little corney, but it is really easy to read. It comes with one score, their fake version of your EQ. My real EQ is about 5 points lower then the their fako. Also like it says above, do not buy the score simulator, it sucks. The one at worthknowing.com is much better and its free.
Remember though, only 4 new scores over a 4 yr period. ONLY "IF" YOU DON'T WANT TO PAY ANOTHER $38.85!!! You can pay $38.85 every 4 months!!! ONE SCORE AND ONE REPORT EVERY MONTH...$116.55/YEAR
