CRA's or Credit Monitoring Svcs?

[Shippsh8P]

Chane

If I understand your post correctly, subscribing to one of the "credit monitoring services" listed in your post will give you access to all three CR's. How accurate are these reports as opposed to ordering them directly from each CRA?

[chane]

Originally Posted by Shippsh8P

Chane

If I understand your post correctly, subscribing to one of the "credit monitoring services" listed in your post will give you access to all three CR's. How accurate are these reports as opposed to ordering them directly from each CRA?

Yes, you will have access to all 3. It's usually very accurate, because they pull the information directly from the CRAs. Plus, it's much faster. However, sometimes for some reason, the account names and numbers are listed different. For example:

It might be Discover #6011234567589405 on your credit report.
And it might be Discover Card #6011234567**** or some other variation from the credit monitoring service.

But, none of the CRAs really list the information the same anyway. Plus, it gives you more reason to dispute since the account may be questionable or unfamiliar to you.

Also, by law, you should get a full copy of your credit report after the first dispute. So, you can use them for your second dispute/procedural request etc.