Comments on: Beyond The Annual Credit Report: Should You Monitor Your Credit?

By: tim

tim — Thu, 22 Apr 2010 05:47:33 +0000

I have heard that some of these credit reporting / Identity protection services (Example: CSIdentity) will actually take action to correct your Identity / record / accounts. Can you give some specifics and what service / company you would recommend…?

Thanks!

By: The Smarter Wallet

The Smarter Wallet — Thu, 28 Jan 2010 00:08:03 +0000

@Randy,
Okay that is a VERY clever strategy. Seems like a straightforward idea but I doubt many people do this. Thanks for such an awesome tip!

By: Randy

Randy — Wed, 27 Jan 2010 21:17:46 +0000

My wife and I are on a 2 month rotation to pull our credit reports. Every other month, we pull one credit report for one of us. We rotate which person’s credit is pulled and which agency. For example in Jan we pull her TransUnion, in March my Transunion, May her Equifax, etc.

By: The Smarter Wallet

The Smarter Wallet — Wed, 20 Jan 2010 22:53:29 +0000

Jake,
Thanks for the feedback. I would only pay for Vantage scores if that’s what I needed. I agree that a lot of these credit score companies can be aggressive with their marketing. At any rate, Credit Karma is a free site, but note that their scoring model is ALSO proprietary. You get a free score, but it’s not a FICO score as much as the Vantage score is.

If you want a FICO credit score, then go with the Equifax or myFICO products.

By: Jake Stichler

Jake Stichler — Wed, 20 Jan 2010 08:54:13 +0000

I’ve been a subscriber of TrueCredit for quite some time now. Their service suffers from a lot of problems (such as bombarding you with advertisements for a service you’re PAYING for), but now that they switched completely over to the VantageScore model, I’ll be canceling. Not just because of that, but because of the $14.95/mo price tag (not $11.95 like you mentioned) as well, plus the existence of sites like CreditKarma. I simply don’t need it anymore.