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3 in 1 Credit Service: ????


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What is a good credit report service that gives you access to all 3 of your credit reports?

I used to have a service that reported all three agency's but I forgot the name of the company.

What is everyone on this board using/recommending for a 3 in 1 reporting service?

TIA :)

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Is any service provide accurate monitoring (credit reports & scores) from all 3 CRAs?

No, not really. The 3-in-1 credit reports are usually out of date. And only myfico.com provides an accurate score (since they're the ones that create them). All the other scores are FAKO.

IMHO, its best to start with www.annualcreditreport.com and get your yearly free reports directly from the CRAs. If you find something to dispute, you can get another freebie.

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What BFG said. Start with annualcreditreport.com

I started with them, disputed some things, used it till the access ran out, and only then did I sign up for TU's TrueCredit.

If you use this link thru Walmart Financial Services, you can get TC for $11.21 a month.

https://www.truecredit.com/products/optimizedOrder.jsp?versionID=0&package=TriBureauCMU&formName=freeTriBureauCMUChoice&cb=WalMart

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What BFG said. Start with annualcreditreport.com

I started with them, disputed some things, used it till the access ran out, and only then did I sign up for TU's TrueCredit.

If you use this link thru Walmart Financial Services, you can get TC for $11.21 a month.

https://www.truecredit.com/products/optimizedOrder.jsp?versionID=0&package=TriBureauCMU&formName=freeTriBureauCMUChoice&cb=WalMart

I signed up for $11.21 week ago. WalmartTrueCredit shows me EQ 619, EX 619 TU 620. But EQ&EX scores is inaccurate - are way too high. I'll cancel the service.

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I signed up for $11.21 week ago. WalmartTrueCredit shows me EQ 619, EX 619 TU 620. But EQ&EX scores is inaccurate - are way too high. I'll cancel the service.

They arent true ficos.... .they are facos.... but.. you can see how you are progressing throughout the process with them...

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I signed up for $11.21 week ago. WalmartTrueCredit shows me EQ 619, EX 619 TU 620. But EQ&EX scores is inaccurate - are way too high. I'll cancel the service.

All scores obtains thru either the Big Three or one of their monitoring services are FAKOs and thus not accurate. The FAKO scores are merely an indicator and not a true reflection of your FICO scores. FICO scores can only be obtained thru MyFico.com

The benefit of a monitoring service is being able to see your report anytime you want, presumably in real time but likely a couple of days or more behind. You don't subscribe to a monitoring service, any monitoring service, for the FAKO scores. That's like going to Vegas or booking a cruise for the free food. There are cheaper ways to eat, and the true benefits are very different.

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Well I just confirmed (after ordering the service) that Privacy Guard "DOES NOT" provide a new credit report every 24 hours like it used to.

You only get 1 report every 30 days but have unlimited views of that report, .... wow.

I cancelled the service after 2 days.

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TRUECREDIT seems to have a service which allows you to pull your report every 24 hrs.

However I can't seem to find the Customer Service Number. Does anyone have the Number to their Customer Service Branch?

....tia

TC customer service 800-493-2392

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How much would you pay per month to have actual Fico scores and credit monitoring (with e-mail alerts) with one pull every 24 with up to date reports?

I'd say maybe $20-$25 per month with the option to pay it yearly with a slight discount. You'd think MyFico would figure out a way to offer that.

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