I know that this question has been asked before, but I can't seem to find a solid answer -- is there a company that provides a tri-merge or a copy of all three credit reports for a single price?
I use Citi Identity Monitor which gives me all 3 reports for $12/month. You could do that and cancel after 1 month.
My question to you is WHY? Just call their numbers and get paper copies of each report individually if you plan to dispute ANYTHING! Always dispute by mail (CERTIFIED MAIL) keep copies of everything. When you dispute keep copies as you are gearing up for a lawsuit. There is more information on the report the paper copies provide. The questions on the online disputes (WHICH I WILL NEVER USE)is general and your putting the ball in the court of the CRA that has already reported your information incorrectly. Anytime you get a report like 3 in 1 they merge information, and pick and choose what they give you let alone if your looking a score its a FaKO not worth crap! If your going to get a I.D monitoring DO YOUR research FIRST you dont want to be on a chop report now when you may want to be able to B* later
Why do you want a tri-merge report to begin with? That'll help us answer your question. If you're doing credit repair, a trimerge is the last thing you want.
Thanks to everyone for your responses, I let things lie during the holidays. I was just looking to get copies of the reports from from one of the services. It's been about 10 years since my first CR journey, so I don't know who the best provider of all 3 reports are. Wasn't really looking for tri-merge, sorry for the poor description. I'm almost done with the second and hopefully final CR journey. Most derogs are scheduled to either fall off soon, or a goodwill letter might be effective. 2 or 3 biggies require a dispute. If I'm successful with the 2 derogs, my score will likely skyrocket. -- Thanks again for all your help -- You guys are awesome!
Basically looking for a monitoring service that will allow me to pull a fresh report from all 3 bureaus every 24 hours, score accuracy doesn't matter, just trying to monitor when things are added and deleted. I used to use Privacy guard, but not sure how much the service has changed. Their offerings can be very misleading if you believe their websites, that's why I asked the experts here.....Couldn't seem to access citi credit monitoring. Any additional recommendations appreciated. I'm reviewing the following: Privacy Guard Identity Guard Trusted ID Free Scores and More LifeLock
If all you want is to see what things are added or deleted then use credit sesame to keep tabs on EX. Credit karma to keep tabs on Transunion thats give you 2 out of the 3 and they dont cost you a dime! Why do u want a daily pull if your not working toward B* ? Why do u need the daily update instead of a weekly for free? USAA works ok and allows a daily pull if you get the premium Sounds like you have an alternate agenda like B* but haven't read enough B* stuff to know how to do it correctly.
Thank you for the response! -- I work on CR randomly, so "daily" is more for convenience, just following the way I did things during the first CR journey. B* is a great idea and again, it's been years, so I don't know how to achieve it. Looked at some old files, but it appears things work a little differently. Please PM me with details or direct me to a few threads for reading. I sincerely appreciate it and thanks again!
BTW, will use USAA for the service, this is exactly what I 've been looking for. Thanks Mechanicw and team
