I am currently using Privacyguard but it is completely inaccurate. Not the same as the reports I get from the CRA's. I know credit expert is the same. I need a more accurate way to track this for the next few months and I don't want to shell out $30 everytime I pull my reports from MyFiCO. Any suggestions would be great....I have sent out a few letters and need to get an accurate report regarding inquries and changes. I am looking to buy a house within the next few months . Al