Privacy Guard the Best?

I feel that privacy guard is the best so far, but they have thrashed some people's reports with hard inquiries.

It's free for the first three months, so no harm in trying it out (I believe they have the hard inq issue resolved for new customers...?).

When my trial is up in a couple more weeks, I'm going back to privista (already paid for) as my main monitoring tool with manual TU and Experian pulls. Not as good, but already paid for.

I really would like to keep the privacy guard service, but not for $90, I can do the work on my own and get all three reports for free when I really need to.

 

I tried privista and it sucked. They were always about 1-2 weeks behind anything reporting. My unlimited equifax ends in 2 months (sob whine cry) and of course experian has blocked me from my file, disputing, or talking to anyone there so no luck. I pull wk which is good but I have to view my credit reports for all 3 each day. IT is an addiction. I love privacy guard and will pay the $90 to keep it in a couple of months. Granted, I do get those annoying 2112 code errors 1 or 2 times a week and always on the weekends that you cannot call anyone but they update the report the moment something hits. Great service.

 

FYI pg will let you pay $8.00 a month. Instead of $90.00 up front. I found this out when I went to cancel. Now I can afford to keep it.

 

I like consumerinfo. I was never able to get creditwatch which I would have liked (they pull 2 softs and give a score I believe) for EQ but consumerinfo is next best and I got *b* when they don't clean out my softs.

 

Wow, I had no idea that pg was consumerinfo. Did I just screw up or is it ok, like you said, to have 2 accounts (consumerinfo and pg) which are on two different cc's? Hope I get more *b*. Does anyone get *b* with exp?

 

ps....(I just ordered pg btw) and it's really neat seeing all 3 bureaus and how different they are side by side. For example, for my heloc EQ reports it as:

Type: revolving or option
Terms: NA
High Balance: $100k (never)
Limit: NA
Remarks: Heloc

EXP reports it as TYPE:Credit line secured, revolving
Terms: Revolving
High Balance: (correct as my current balance)
Limit: 100k
Remarks: NA

TU reports it as TYPE: Revolving
Terms: minimum
High Balance: (correct)
Limit: 100k
Remarks: NA

Any suggestions about what looks good or bad and what ought to be changed? I definitely think EQ needs to change my high balance! Why the different terms and types??

 

ps....(I just ordered pg btw) and it's really neat seeing all 3 bureaus and how different they are side by side. For example, for my heloc EQ reports it as:

Type: revolving or option
Terms: NA
High Balance: $100k (never)
Limit: NA
Remarks: Heloc

EXP reports it as TYPE:Credit line secured, revolving
Terms: Revolving
High Balance: (correct as my current balance)
Limit: 100k
Remarks: NA

TU reports it as TYPE: Revolving
Terms: minimum
High Balance: (correct)
Limit: 100k
Remarks: NA

Any suggestions about what looks good or bad and what ought to be changed? I definitely think EQ needs to change my high balance! Why the different terms and types??
Will I be able to access daily reports prior to the end of the 90 days? Do you guys find your pg score to be really low?? It's lower than my fico by far.

 

I have been very happy with Privacy Guard up to this point. I have cross checked the reports from them with the actual credit bureau reports and everything looks to be the same so I haven't noticed anything that is incorrect up to this point. No hard inquiries from them either, and god hope that bumpage works thanks to PG!!!

 

Hey Pic,
Evil Experian blocked me from my wifeâ??s report for several months and calling didnâ??t do anything either. However, not willing to let it die I kept trying to access it because I had paid for the CreditExpert service. After about the 50th try, I was able to actually get in to view the report, and from there was able to remove the fraud alert they had placed on the report. From that day on I was able to pull the report whenever and however. I think EX does some sort of updating late at night/early morning over the weekends which affects the CreditExpert access, and it was at approx 1AM on a Sunday morning when I was able to get into it.

 

I agree, PG seems pretty good. I switched over AFTER I paid $34.95 for a one-time True Credit.

FYI, DO NOT get the TrueCredit 3-in-1 report!

It was actually missing some negative tradelines that were actrually on my Trans Union report. I only found out because I had an inquiry on TU and decided to get a free report direct from them!

And guess who owns True Credit...? Wait for it....

Trans Union.